Personal line of credit

Designed with your financial goals in mind.

2.25–3.50% APR[1]
Lowest fixed rates with discounts

Refinance your debt — including student loans, minor home improvements and car loans — and fund your goals, all at one low fixed rate.[2]

First Republic Personal Line of Credit offers access to revolving credit, which allows you to withdraw funds up to a preset limit during a two-year draw period.

Discover the benefits of your Personal Line of Credit.

Industry-low fixed rates

Get instant peace of mind and an opportunity to save more in the long term with our low fixed-interest rate options.

Industry-low fixed rates

Refinance existing debt

Combine your existing debt into one convenient monthly payment.

Refinance existing debt

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

Revolving access to credit

Get convenient access to funds for large purchases. Plus, the amount you repay will be available to draw on again during the first two years.

Revolving access to credit for two years

No loan fees

You won’t be charged origination, maintenance or prepayment fees — ever.

No prepayment, origination or maintenance loan fees

Referral Program

When you become a Personal Line of Credit client, you are eligible for our client referral program. You can earn $300 when your friend books a Personal Line of Credit.[3] Your friend will also earn $300 when they book their loan.[4]

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.

See how First Republic compares.[5]

Competitor

APR (With Discount)

Annual Percentage Rate
(with discounts)

Loan Size

Loan Size

Loan Term

Loan Term

Interest Only Period

Interest-Only Period

No Loan Fees*

No Loan Fees
(Origination, Maintenance or Prepayment)

Flexible Use Of Funds

Flexible Use of Funds

Personal Line Of Credit

Personal Line of Credit

APR (With Discount)

2.25%–3.50% APR
(fixed)

Loan Size

$65,000–$350,000[6]

Loan Term

7, 10, 15 years

Interest Only Period

2 years

No Loan Fees*
Yes
Flexible Use Of Funds
Yes
Competitor

Student Loan Refinancing

APR (With Discount)

1.98%–6.94% APR
(fixed)

Loan Size

$5,000–$500,000

Loan Term

5, 7, 10, 15, 20 years

Interest Only Period
No
No Loan Fees*
Yes
Flexible Use Of Funds
No
Competitor

Personal Loans

APR (With Discount)

4.99%–35.89% APR
(variable)

Loan Size

$1,000–$100,000

Loan Term

2–7 years

Interest Only Period
No
No Loan Fees*
Yes
Flexible Use Of Funds
Yes
Competitor

HELOC

APR (With Discount)

2.50%–21.00% APR
(variable)

Loan Size

$15,000–$1M

Loan Term

30 years

Interest Only Period

10 Years

No Loan Fees*
No
Flexible Use Of Funds
Yes

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.

Questions?
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?

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