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First Republic Personal
Line of Credit Review

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Reviews 6

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Chris Muller
May. 03, 20214 min read

First Republic Bank summary

First Republic Bank offers personal lines of credit with low fixed interest rates. Founded in 1989, this lender provides banking and loan services around the United States. First Republic Bank offers more extensive personal lines of credit than most other banks, allowing borrowers to refinance their debt, including student loans, home expenses, car loans, and more. This lender also has an A+ rating from the Better Business Bureau.


  • High loan amounts
  • No origination, prepayment, or maintenance fees
  • Variable interest rates


  • Borrowers need liquid assets
  • Can’t apply online
  • Can’t be used for credit card debt consolidation

First Republic Bank First Republic Bank View Rates

Suitable For?

If you want a personal line of credit without the typically high-interest rates, First Republic Bank gives you an excellent option. Their personal line of credit allows you to take advantage of industry-low fixed rates, starting at 2.25% APR (with discounts) and interest-only payments for the first two years, along with other benefits that you will not find with other personal lines of credit.

A Flexible Personal Line of Credit

All of First Republic’s personal lines of credit are unsecured. Here is a bit more information on their line of credit:

Personal Line of Credit

  • Loans from $60,000 to $350,000
  • Industry-low fixed-rate interest
  • Ability to refinance your existing debt
  • Interest-only payments for your first two years
  • Revolving credit access during the first two years
  • No origination, maintenance, or prepayment loan fees
  • Tailored services from your personal banker 

Other Options

Aside from their personal line of credit, First Republic does offer additional options, based on your need. Some of the lending options you’ll find include personal loans, home equity lines of credit, and auto loans, as well as the ability to refinance both your mortgage and your student loans. The easiest way to find the best option for you, if it’s not a personal line of credit, is to get in touch with First Republic directly.

Application Process & Requirements

To meet the minimum qualifications for a personal loan with First Republic Bank, you must be at least 18 years old and have:

  • A First Republic Bank account
  • A credit score of at least 720
  • A debt-to-income ratio of 40% or less
  • Liquid assets equal to or greater than your loan amount

If you qualify for a loan, you can apply in one of three ways, each of which involves speaking directly to a First Republic Bank representative. You can call or visit a bank location to talk to a lender, or you can request that someone contact you by following these steps:

  1. Visit the First Republic Bank website
  2. Scroll to the bottom of the page and select “Have Us Contact You”
  3. Complete the required form, and submit your request

First Republic Bank does not have an online application.

APRs, Loan Amounts, & Repayment Terms

First Republic’s APRs, line of credit amounts, and repayment terms will vary based on several factors, including your own preferences, your credit score, your income, and more. That’s why it’s best to contact First Republic directly. That being said, here is some more information on their personal line of credit APRs, loan amounts, and repayment terms:

Personal Line of Credit

  • 2.25% - 3.5% APR
  • Loan amounts starting at $60,000 and up to $350,000
  • 7-, 10-, or 15-year repayment terms

Privacy & Security

First Republic Bank uses information like your credit score to determine your qualifications. However, it does not share your personally identifiable information (PII) with anyone.

According to the lender, it complies with security measures dictated by federal law, including computer safeguards, secured files, and building security. Its employees acknowledge their responsibility to maintain customer confidentiality, and the bank periodically reviews facility security systems to ensure that it continues to protect your information.

Help & Support

First Republic Bank’s Customer Care Center is available to answer questions from 5:00 a.m. to 9:00 p.m. from Monday through Friday. Representatives are also available from 6:00 a.m. to 8:00 p.m. on Saturdays and 7:00 a.m. to 5:00 p.m. on Sundays.

 You can reach the Customer Care Center at:

  • Phone: 888-408-0288
  • Email:

You can use the “Have Us Contact You” option on the website if you want to talk about applying for a loan, or you may send feedback on their contact page.


How can I repay my personal loan from First Republic Bank?

You can make payments online or with First Republic’s mobile app.

How many locations does First Republic Bank have?

First Republic Bank has 80 locations across the United States in California, Oregon, Florida, Massachusetts, New York, and Wyoming. You can use its store locator to find the one closest to you.

Why do I need liquid assets to apply for a First Republic loan?

Unsecured loans mean that if you default on your loan, the bank takes the loss. Having liquid assets equal in value to your loan amount means that you can pay back your loan even if you don’t have the money in your account.

How are personal loans and personal lines of credit different?

Personal loans offer a lump sum at origination that you pay back through fixed monthly payments over one to five years. Personal lines of credit let you draw on your loan multiple times, enabling you to take out only the amount of money you need at any given time instead of the entire amount of the credit line. Personal lines of credit often offer longer repayment terms and higher approved loan amounts.


First Republic Bank allows you to take out a personal line of credit with a low APR and no origination, maintenance, or prepayment fees. Regardless of how you use the funds, First Republic has a high approval rate for personal lines of credit—and at competitive rates. First Republic’s lines of credit work well for people who have excellent credit and the necessary assets to cover collateral for larger loans.

Physical Address

111 Pine St

San Francisco, CA 94111

First Republic Bank First Republic Bank View Rates


Personal Line of Credit consists of a two-year, interest-only, revolving draw period followed by a fully amortizing repayment period of the remainder of the term. Draws are not permitted during the repayment period. Full terms of 7, 10 and 15 years available.

Personal Line of Credit minimum is $60,000; maximum is the lesser of $350,000 or debt to be repaid at origination plus $100,000. Line of credit cannot be fully drawn at origination.

This product can only be used for personal, family or household purposes. It cannot be used for the following (among other prohibitions): to refinance or pay any First Republic loans or lines of credit, to purchase securities or investment products (including margin stock), for speculative purposes, for business or commercial uses, or for the direct payment of post-secondary educational expenses. This product cannot be used to pay off credit card debt at origination.

The terms of this product may differ from terms of your current loan(s) that are being paid off, including but not limited to student loans. By repaying such loans, you may permanently be giving up tax and repayment benefits, including forbearance, deferment and forgiveness, and you may not be able to reobtain such benefits if this loan is refinanced with another lender in the future.

Annual Percentage Rate. Rates effective as of 11/17/2020 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 of at least 10% of the approved loan amount into the Account, and 3) an additional 0.25% for depositing and maintaining a deposit balance of at least 20% of the approved loan amount into the Account.

Natural Intelligence will receive a referral fee for any First Republic Personal Line of Credit booked through the affiliate link provided in this advertisement.

"Contact your legal, tax and financial advisors for advice on deciding whether this is the right product for you. Terms and conditions apply.

Written byChris Muller

Chris has an MBA with a focus on advanced investments and has been writing about all things personal finance since 2015. He’s also built and ran a digital marketing agency, focusing on content marketing, copywriting, and SEO, since 2016. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

First Republic Bank
First Republic Bank
GreatReviews 6
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Trustpilot reviews

See what some costumers are saying about First Republic Bank
First Republic Bank
GreatReviews 6
  • author
    Amy Smith
    Feb 23, 2021
    I have been with First Republic Bank…

    I have been with First Republic Bank for over 5 years staring out with a regular checking account, then a mortgage and then working with their wealth management group. Extremely pleased.


  • author
    Feb 02, 2021
    So disappointing

    So disappointing. I'm a second-generation FRB customer. My parents had financed several properties through the bank and had all personal and Trust banking with them. I continued to keep personal and Trust business with them, but my business is less complex and they've been seriously error-prone of late. Getting help from so-called "personal bankers" has been a struggle. Low-level newbies go missing and don't reply to requests for help. They don't use OOO email for clients so you're left hanging. I'm exhausted trying to fix their latest back-office generated error and doing it without good help. I'm getting shunted from one "personal banker" to the other. It feels like "fake" private banking. Bottom line: Feels like FRB isn't investing in keeping legacy customers. People, you can't keep my funds or my business with cookies and orchids. I need service, and help and error-free banking. I wish I could rely on you guys... lean on you, work with you. But this has been a one-way love story for too long. Sadly, I think it's time for me to move on and bank elsewhere.


  • author
    Arseny Alexander
    Dec 15, 2020
    Best non-private bank, hands down

    Been with these guys for two decades. Best basic services & business services. Easy team. They know when I call the branch by my voice (since I call from various phones - but they do redo authorization for safety). Highly recommend for basic banking.


  • author
    Lauren R
    Nov 21, 2020
    Best Bank Ive ever joined

    Best Bank Ive ever joined. I plan on being part of the family bank forever. Super kind staff and customer service makes all the other parts of business work... Robert and Sue are very helpful at the California street location in San Francisco; is a wonderful location


  • author
    Jul 17, 2019
    I was looking into refinancing my…

    I was looking into refinancing my student loans. I filled out their online information and they said I should qualify. They put me in touch with a banker, but when I tried to schedule an appointment they had nothing available. I called my local branch two times and didn't receive a call back. I finally got a call from them and while the banker was awesome it turns out that while I initially qualified they also end up looking at your liquid savings as well. While I find nothing wrong with that, I feel like it was hidden information and I feel deceived by the initial advertisement on their website.


  • author
    Phil E
    Jul 14, 2019
    Online banking is awful

    Online banking is awful. Wouldn't recommend it for corporate banking.


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