Student Refinance


Fund Minor Home Improvements and more with a Personal Line of Credit

2.25–3.50 % APR[1]
LOWEST FIXED RATES WITH DISCOUNTS

A Personal Line of Credit is just that: personalized to you. From minor kitchen upgrades to new windows, solar panels and more— we can help you finance them with a solution that fits your exact needs.

home improvement financing
  • cover home expenses

    Cover minor home improvements

  • refinance student loans

    Refinance your student loans

  • buy or refinance a car

    Buy or refinance a car

  • pay for medical or dental procedures

    Pay for medical or dental procedures

  • plans for your family's future

    Plan for your family's future

  • pay your taxes

    Pay your current taxes

Use a Personal Line of Credit to cover minor home improvements and more.

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Low fixed rates

Find low fixed-rate options so you can focus on your minor home improvements and more, without derailing your long-term financial goals.[2]

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No loan fees

Pay for your minor home improvements using a Personal Line of Credit with no origination, maintenance or prepayment fees.

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Flexibility

From roof repairs to buying new appliances and more, get financing from $60,000 to $100,000 for upcoming minor home improvements. Plus, you have the flexibility to refinance other existing debt for a total loan size up to $350,000.[4]

 

Note: Restricted uses of a First Republic Personal Line of Credit include (but are not limited to) buying real estate or making a down payment on a property purchase. Please connect with a First Republic banker to learn more.

Additional features of a Personal Line of Credit.

Interest-only payments

Enjoy the peace of mind of only paying interest on what you draw for the first two years. You can also make additional principal payments at any time.

Revolving access to credit

To pay for future expenses, you can access additional funds on top of the amount of debt you are looking to refinance. Plus, the amount you repay will be available to draw on again during the first two years.

Refinance existing debt

Work with your dedicated banker to refinance and combine your auto loans, student loans or medical debt and more into one convenient monthly payment (This cannot be used to pay off credit card debt at origination or for speculative purposes – gambling, cryptocurrencies, wagering and more.)




See how First Republic Personal Line of Credit compares.[3]

  • Annual Percentage Rate
    (with discounts)
  • Loan Type
  • Loan Size
  • Loan Term
  • Interest-Only Period
  • No Loan Fees
    (Origination, Maintenance or Prepayment)
  • Flexible Use of Funds
  • Personal Line of Credit

  • 2.25%–3.50% APR
    (fixed)
  • Unsecured
  • $60,000–$350,000[4]
  • 7, 10, 15 years
  • 2 years
  • HELOC

  • 3.00%–21.00% APR
    (variable)
  • Secured
  • $15,000–$1,000,000
  • 30 years
  • 10 years
  • Personal Loans

  • 5.99%–35.89% APR
    (variable)
  • Secured or Unsecured
  • $1,000–$100,000
  • 2–7 years




There’s more you can do with a Personal Line of Credit.

Learn more about the features and benefits of our Personal Line of Credit and ways to use it beyond financing minor home improvements.


buy or refinance a car

Buy or refinance a car

pay for medical or dental procedures

Pay for medical or dental procedures

plans for your family's future

Plan for your family's future

pay your taxes

Pay your current taxes

 

Note: By refinancing student loans, you may permanently be giving up tax and repayment benefits, including forbearance, deferment and forgiveness. Please consider this as you make a decision to refinance student loans, and talk to a banker if you have any questions.





There’s more you can do with a Personal Line of Credit

Learn more about the features and benefits of our Personal Line of Credit and ways to use it beyond financing minor home improvements.

 
See your rate (2 min)

Learn more about Personal Line Of credit

FAQs when financing
minor home improvements.

  • What is the difference between financing minor and major home improvements?
  • Can I use a Personal Line of Credit for major home renovation projects real estate investments?
  • What is the difference between a personal line of credit and a HELOC?
  • My home improvement project is going to cost more than $100,000. What should I do?
  • Can I use a Personal Line of Credit beyond minor home improvements?
  • How are my loan payments structured?
  • What are the requirements to receive the lowest listed rates?
  • I have more questions about Personal Line of Credit and how to use it.

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