Personal line of credit

Designed with your financial goals in mind.

2.95–4.25% APR[1]
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.[2]

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.

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 eligible debt

Combine your eligible debt into one convenient monthly payment.

Refinance eligible 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

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?

plans for your family's future

Plan for your family's future

Whether you are thinking of starting a family now or want to put a plan together, you'll have access to the funds needed when you're ready.

pay for medical or dental procedures

Pay for your medical or dental procedures

Get convenient access to funds to cover expenses for a medical or dental procedure.

pay your taxes

And more. Ask your banker

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.[3]

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 or Prepayment)

Flexible Use Of Funds

Flexible Use of Funds

Personal Line Of Credit

Personal Line of Credit

APR (With Discount)

2.95%–4.25% APR
(fixed)

Loan Size

$65,000–$350,000[4]

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)

2.47%–7.99% 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)

6.49%–35.89% APR
(fixed)

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?

Insights and Education

Insights & Education