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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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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    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.

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    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.


FAQ

    • How does this product differ from other student loan refinancing products?
    • What are the benefits?
    • Are there any prepayment, origination or annual fees?
    • How does the 2.00% prepayment rebate work?
    • What are the requirements to receive the listed student loan refinancing rates?
    • What is the application process?
    • What documents are needed to apply?
    • Why do you currently not offer student loan refinancing in my state?

     

    © 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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