Personal line of credit[1]

Designed with your financial goals in mind.

6.95–8.45% APR[2]
Our Lowest fixed rates with discounts

Refinance your eligible debt — including student loans and car loans — and fund your goals, all at one low fixed rate.


First Republic’s Personal Line of Credit provides access to revolving credit during a two-year draw period, followed by a repayment period for the remainder of the loan term.

Discover the benefits of your Personal Line of Credit.

Low fixed rates

Get an opportunity to save more in the long term with our low fixed-interest rate options. Choose from loan term options of 7, 10 and 15 years.

Low fixed rates


Get flexibility to access a line of credit from $70,000 to $100,000 for new expenses. The maximum credit limit is $350,000 when refinancing existing debt with a maximum of $100,000 available to draw at the time of origination.[3]


Interest-only payments

Pay interest only on what you draw for the first two years, and repay the full loan with term options that best suit your financial goals.

Interest-only payments for two years

Access to revolving credit

Get convenient access to revolving credit for large purchases. Plus, any principal you repay will be available to draw on again during the first two years.

Access to revolving credit

No origination or prepayment fees

We don’t charge origination or annual fees for a Personal Line of Credit. Plus, you can make principal payments at any time with no prepayment fees.

No origination or prepayment fees

Your own personal banker

Take advantage of tailored services from your dedicated banker, who will walk you through the process from start to finish.

Your own personal banker

How can you use a Personal Line of Credit?

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. Currently, all payments for certain types of federal student loans are suspended potentially until June 30, 2023, per an executive order by the President. Interest will not accrue during this time period. For more information, please visit

How to Apply for a Personal Line of Credit

Get Started Today

Estimate your payments.

Step 1 Estimate your payments.

Tell us a little about yourself to estimate your new fixed interest rate and monthly payments.

Connect with a banker.

Step 2 Connect with a banker.

A personal banker will reach out to learn more about you and walk you through the options that work best for you.

Complete your application.

Step 3 Complete your application.

Submit your loan application from the convenience of your home with your personal verification documents.

We’re here to help.

  • What is the difference between a personal loan and a personal line of credit?
  • I’m looking to refinance my student loan debt. What happens if I get a Personal Line of Credit instead?
  • What should I use my Personal Line of Credit for?

Insights and Education

Insights & Education