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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*Savings compared to @@@@@-year term at a #####% interest rate. Actual savings may vary. Contact a banker to evaluate your actual savings.

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Your results

First Republic looks at a variety of factors when underwriting a loan. One important requirement is that you have a minimum credit score of 750. 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. Please visit our locations page if you would like more information.

Estimate your payment.

Try out our student loan[1] refinancing estimator to see how our low fixed rates[2] can make a difference to you.

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.

Student loan refinancing, Low fixed rates and Personal service
Things to know when refinancing with us:
  • Know your credit score. A strong credit score can make all the difference.
  • Demonstrate consistent work experience.
  • Show you have between $40,000 and $ 300,000 in student loan debt. 
  • Validate that you have a steady income and have substantial savings.
  • Live within close proximity to our offices.
Student loan refinancing, Low fixed rates and Personal service
Things to know when refinancing with us:
  • Know your credit score. A strong credit score can make all the difference.
  • Demonstrate consistent work experience.
  • Show you have between $40,000 and $ 300,000 in student loan debt. 
  • Validate that you have a steady income and have substantial savings.
  • Live within close proximity to our offices.

Meet

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

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  • Monthly payment estimate

  • Potential interest savings*

  • Choose a fixed rate(APR[3])/term option

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

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FAQ

    • How does this product differ from other student loan refinancing products?

      This 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 when deciding whether this is the right product for them.



    • What are the benefits?

      Benefits include: 

      • One simple monthly payment.
      • A dedicated First Republic banker Yes, a real person
      • Attractive rates and term options
      • A choice of term options
      • No ATM access fees with ATM Rebate Checking Account
      • No origination, annual or prepayment fees
      • A simple and stress-free refinancing process
      • A 2.00% interest prepayment rebate (See below for additional details.)

    • Are there any prepayment, origination or annual fees?

      There are no prepayment, origination or annual fees associated with this product.

    • How does the 2.00% prepayment rebate work?
      First Republic will rebate the interest that has been paid against the loan, up to 2.00% of the original loan balance if the loan is paid in full within 48 months.
    • What are the requirements to receive the listed student loan refinancing rates?
      • You must have a First Republic ATM Rebate Checking Account with automatic loan payment and direct deposit of main source of income. 
      • Minimum $500 to open an ATM Rebate Checking account. 
      • A monthly fee of $25.00 will apply if minimum monthly average balance falls below $3,500. 
      • Without auto debit and direct deposit, the rates will be as listed plus 5.00%.
      • The loan amount must be between $40,000 and $300,000. All loans are subject to First Republic’s underwriting standards. 
      • You must be located within close proximity to our offices in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich or New York City.

      For a complete list of office locations, visit our locations page or contact a First Republic banker.

    • What is the application process?

      Applications can be filled out online using your computer or mobile device. You will then need to meet with a First Republic banker to complete your account opening paperwork. Visit our locations page to find an office near you.


    • What documents are needed to apply?
      • Primary form of government-issued ID (i.e. passport, military ID, driver’s license)
      • Verification of personal liquidity with full account statements
      • Two most recent pay stubs or P&L statements for self-employed individuals
      • Prior year, year-end income verification (W2 or tax returns)
      • Completed student loan refinancing application

    • Why do you currently not offer student loan refinancing in my state?

      First Republic Bank has a limited service area for retail banking. Student loan refinancing applicants must be located within close proximity to our offices in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich or New York City. For a complete list of locations, visit our locations page or contact a First Republic banker.




     

    © 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.

    2In 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. 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%.

    3Annual 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.

    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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