For once in your life, aim low.

Student Loan Refinancing
For once in your life, aim low.

Refinance your student loans[1]  with fixed rates as low as 1.95% APR[2] — among the lowest rates in the country.

Why this refi is a no-brainer
Our low rates and customized solutions may help you pay off your student debt faster so you can focus on your financial future. Refinance your student loans and save up to $40,000[3].
  • One simple monthly payment.

    Even if your student loans are from different providers, they'll all be refinanced into one loan with a single monthly payment.

  • Pay off early, get money back.

    Pay your loan in full within 4 years and we give you back the interest paid against your loan, up to 2.00% of the original loan balance.

  • No loan fees. No, really. None.

    No origination, annual, or prepayment fees on your loan.

  • Terms and fixed rate options.

    Among the lowest fixed rates available and a variety of terms that work for you.

Our highest rate still beats their lowest.[4]
Effective as of 9/12/2017
Top competitors include:
 ●  SoFi
 ●  Common Bond
 ●  Citizens Bank
 ●  Earnest
First Republic
1.95% - 2.95% APR
Effective as of 09/12/2017
First Republic 1.95% - 2.95% APR
Top competitors include:
 ●  SoFi
 ●  Common Bond
 ●  Citizens Bank
 ●  Earnest
The First Republic Advantage — put the A-team to work for you
Our goal is to be your bank for life. We want to be your go-to place for all your financial needs today — and help you plan for tomorrow. That’s why we aim to provide you with extraordinary service in everything we do.
  • A Personal Banker

    Your own dedicated financial professional — a real person — an email or phone call away. Ready to help with everything from the big picture down to the smallest details. Whatever you need, we have your back.

  • No ATM access fees worldwide[5]

    With ATM Rebate Checking there are no access fees at virtually all ATMs worldwide. Even better, any access fees charged by other banks are rebated to you.

  • "Advise, not push" culture

    Whether it’s paying off your student debt, buying your dream home, or planning for retirement, we partner with you to customize solutions that meet your financial needs. We’re here to work with you when you’re ready.

Get Started Today.
  • Find your rate

    Use our estimator tool to calculate your rate and choose the term option that works best for you.

  • Connect with your Personal Banker

    A dedicated financial professional will reach out to discuss your student loan refinancing options, along with any questions or concerns you might have.

  • Complete your online application

    Once you’ve filled out your online application, you’ll need personal verification documents.

  • Start looking forward

    If your loan is approved, you’ll meet with your personal banker to complete the account opening paperwork and start experiencing the benefits.


Our clients say it best.
I refinanced my student loans with First Republic and the financial impact cannot be overstated.
Yasmin Naghash
Our clients say it best.
I refinanced my student loans with First Republic and the financial impact cannot be overstated.
Yasmin Naghash

© 2017 First Republic Bank. All rights reserved.

Deposit and loan products are offered by First Republic Bank, Member FDIC and Equal Housing Lender

1This is not a student loan. The terms of this product may differ from terms of your current loan. For example, this product does not contain special features such as forbearance periods and income-based repayment plans available for student loans. Applicants should discuss loan terms and conditions with their banker and contact their legal and financial advisors for advice on deciding whether this is the right product for them.

2Annual Percentage Rate. Rates effective as of September 12, 2017 and are subject to change.

Payment example for a loan amount of $100,000. 5 year/60 monthly payments of $1750.59 at 1.95% APR. 7 year/84 monthly payments of $1292.24 at 2.35% APR. 10 year/120 payments of $947.25 at 2.60% APR. 15 year/180 payments of $688.18 at 2.95% APR. The final monthly payment may vary by a slight amount.

In order to qualify for the fixed rate listed above, applicants must open a First Republic ATM Rebate Checking account with automatic loan payment and direct deposit. Minimum $500 to open an ATM Rebate Checking account. A monthly fee will apply if a minimum monthly average balance of $3,500 is not maintained. Monthly fee waived for first three months; monthly fee is currently $25. Ask your banker for details. For fixed rate loans, if at any time during the life of the loan the borrower does not maintain automatic loan payment or direct deposit, the rates will be listed as above plus 5.00%.

3 Assumes an original loan amount of $147,000, 10-year term, and a rate of 7.21% APR, refinanced to 2.60% APR. Total savings over the 10-year term would be $39,634. Loan amount reflects all customers who refinanced their student loans with First Republic Bank between 1/1/2015 and 9/1/2017. 7.21% was the Direct Plus Student Loan Program rate effective 7/1/2014 to 6/30/2015. Actual savings may vary based on the interest rates, balances and remaining repayment term of the loans being refinanced.

4Lowest rates based on current First Republic fixed rates and competitor rates as of 9/1/2017 as listed on competitor websites. Competitor Sources: SoFi, Common Bond, Citizens Bank, Earnest.

5Minimum $500 to open an ATM Rebate Checking account. A monthly fee (currently $25) will apply if a minimum monthly average balance of $3,500 is not maintained. Domestic and foreign ATM access fees are rebated at the end of the monthly cycle. Foreign currency conversion and other usage fees vary by country and network and are not included in the rebated ATM access fees.

Eagle Gold All-in-One Applicants must be located within close proximity to our offices which are primarily in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich or New York City. Not all loans or products are available in all states. For a complete list of Locations, visit our locations page or contact a First Republic banker.

This is not a commitment to lend or extend credit. All loans are subject to the Banks's underwriting standards. Additional information may be required for verification of documents provided. In Florida, applicant shall be responsible for any documentary tax due pursuant to state law. Applicants must meet a First Republic banker in person to complete account and loan application paperwork. This can be done at any First Republic Preferred Banking Office.

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