Student Loan Refinancing Estimator

Student Loan Refinancing Estimator

Based on your answers, you’re now ready to get connected to a banker.

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Thank you for your interest in refinancing your student loans with us.

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Your results
Relationship-Based[2] Pricing Adjustment i
for maintaining 10% of approved loan balance into an ATM Rebate Checking Account
*Savings compared to @@@@@-year term at a #####% interest rate. Actual savings may vary. Contact a banker to evaluate your actual savings.

Your results

First Republic looks at a variety of factors when underwriting a loan. One important requirement is that you have a strong credit history. If you are interested in applying, feel free to contact us or visit one of our locations for more information.

We’re sorry, but at this time it appears that you live outside of our service area where we provide retail banking.

First Republic Preferred Banking Offices

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Based on your answers, you’re now ready to get connected to a banker.

Thank You

Thank you for your interest in refinancing your student loans with us.

ABOUT OUR SERVICE AREAFirst Republic has a limited retail banking service area. Visit our locations page for more information.


As your dedicated banker, will reach out to you to walk you through the process and answer any questions you may have.

Other First Republic services
  • Checking

    We offer a variety of checking account options that come with a host of featured services designed for security, convenience and service.

  • Savings

    Whether you're saving for the short or long-term, we have a variety of savings accounts tailored to your needs.

  • Money Market

    First Republic offers Money Market Checking and Savings accounts that feature competitive interest rates and are tailored to meet your banking needs.

  • IRAs

    Our retirement accounts to help you prepare for the retirement you've always wanted.

  • Online & Mobile Banking

    First Republic offers all our clients the convenience and flexibility of online and mobile banking from your desktop, smartphone or tablet. Manage your accounts whenever it suits you, from wherever you are in the world.

  • ATM Card and ATM/Debit Card

    The First Republic ATM Card and ATM/Debit Card allow you to access your funds worldwide.

Banking products and services are offered by First Republic Bank, Member FDIC and Equal Housing Lender

Annual Percentage Rate. Rates effective as of August 1, 2018, 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 $1310.10 at 2.75% APR. 10-year/120 payments of $991.21 at 3.55% APR. 15-year/180 payments of $737.19 at 3.95% APR. The final monthly payment may vary by a slight amount.

To qualify for a 0.50% rate adjustment, borrowers must deposit and maintain a percentage of the loan amount in the Account. If the borrower does not meet these requirements, the rate adjustments will be removed and the rate will increase by 0.50%.

In order to qualify for the fixed rates 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. 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 2.00%.

Student Loan Refinancing is not available in all markets. For a complete list of locations, visit the Locations page.

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.

© 2018 First Republic Bank.

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