Student Loan Refinancing

Student Loan Refinancing
Where is your low rate going to take you?

Refinance your student loans[1] to save more now or get out of debt faster with rates as low as 1.95% APR.[2]


We make student loan refinancing simple.
Our low rates and customized solutions could help you get out of debt faster when you refinance your student loans.
  • A single monthly payment


    Consolidate your student loans into one payment for ease and convenience.


  • Pay off early, get money back

    Earn back the interest paid on your loan (up to 2.00% of the original loan balance) when you pay in full within four years.

  • No loan fees – ever


    We’ll never charge origination, annual or prepayment fees on your loan.

  • Terms and fixed rate options

    Among the lowest fixed rates available and a variety of relationship-based pricing adjustments and terms for you.



Get started today.

 
  • Calculate your savings.

    Our student loan calculator lets you see rates quickly and choose the term option that suits you best.

  • Connect with a banker.

    Your dedicated banker will reach out to you personally to help you through your refinancing options.

  • Complete your online application.

    Be sure to have your personal verification documents ready so you can speed through this step.

  • Start looking forward.

    If your loan is approved, you’ll meet with your dedicated banker and learn more about how we can support you.







Exceptionally low rates[4]

FIXED RATES[2]
 
Effective as of 02/15/2019






Extraordinary service
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 — is only 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 account 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.




Our clients say it best.

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



#firstrepublicexperiences

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

1 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 on deciding whether this is the right product for them.

Note that the Bank does not refinance existing First Republic Student Loan Refinancing loans.

Annual Percentage Rate. Rates effective as of February 15, 2019, and are subject to change.

Borrower must open a First Republic ATM Rebate Checking account ("Account"). Terms and conditions apply to the Account. If the Account is closed, the rate will increase by 5.00%. Rates shown include relationship-based pricing adjustments of: (1) 2.00% for maintaining automatic payments and direct deposit with the Account; (2) 0.50% for depositing and maintaining a deposit balance equal to the greater of 10% of the approved loan amount or $5,000 into the Account; and (3) an additional 0.25% for depositing and maintaining a deposit balance equal to the greater of 20% of the approved loan amount or $10,000 into the Account.

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.

Lowest advertised fixed rates and pricing adjustments for a 5 to 15 year loan for First Republic Bank and competitors. Based on rates listed on competitor websites as of 2/01/2019. Competitor Sources: SoFi, Common Bond, Citizens Bank, Earnest.

Minimum $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.

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 Bank's underwriting standards. Additional information may be required for verification of documents provided. Applicants must meet a First Republic banker in person to complete account opening paperwork. This can be done at any First Republic Preferred Banking Office.

© 2019 First Republic Bank.












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