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Last Updated: 04/18/2025

First Republic Bank Personal Line of Credit

from First Republic Bank

Last Updated: 04/18/2025

First Republic Bank Personal Line of Credit logo
Rating not yet determined1 total votes
1 users are unsure

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Amount Range

$60,000 - $350,000

APR (Fixed APR)

2.25% - 3.5%(Verified 06/21/2024)
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First Republic Bank Personal Line of Credit Review

First Republic Bank Personal Line of Credit is offered through First Republic Bank, a bank founded in 1985 and based in San Francisco, CA. First Republic Bank personal line of credit are available in 6 states.

First Republic Bank Personal Line of Credit FAQ

What APRs does First Republic Bank Personal Line of Credit offer?

First Republic Bank Personal Line of Credit offers an APR that ranges from 2.25% APR up to 3.5% APR.

Does the First Republic Bank Personal Line of Credit charge an origination fee?

No, First Republic Bank Personal Line of Credit does not charge an origination fee.
An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does the First Republic Bank Personal Line of Credit charge a cash advance fee?

Yes, First Republic Bank Personal Line of Credit may charge a fee .

Does First Republic Bank Personal Line of Credit charge a late fee?

Yes, First Republic Bank Personal Line of Credit may charge borrowers a late payment fee .

How much can you borrow via First Republic Bank Personal Line of Credit?

Upon approval and based on your credit worthiness, your First Republic Bank Personal Line of Credit personal line of credit will be assigned a credit limit of at least $60,000 and as much as $350,000. .

What do you need to qualify for First Republic Bank Personal Line of Credit?

Applicants with a credit score of at least 680 and up to 850 may be eligible for First Republic Bank Personal Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
First Republic Bank Personal Line of Credit does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by First Republic Bank Personal Line of Credit.

Does First Republic Bank Personal Line of Credit report your account activity to credit bureaus?

Yes, First Republic Bank Personal Line of Credit reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does First Republic Bank perform a hard credit pull?

Yes, First Republic Bank personal line of credit performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for First Republic Bank Personal Line of Credit

  • Visit the First Republic Bank Personal Line of Credit website.
  • Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
  • Check the information is accurate and submit your application.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

First Republic Bank Personal Line of Credit logo

Message from First Republic Bank personal line of credit

First Republic was founded in 1985 by Jim Herbert, Chairman and CEO, on the belief that a truly differentiated culture devoted to exceptional client service would result in a very successful banking business. This has proven true. Our growth has never been the goal, however, only the outcome of taking exceptional care of our clients, communities and one another. Thank you for taking the time to read more about us.

Get instant peace of mind and an opportunity to save more in the long term with our low fixed-interest rate options.. Refinance your debt — including student loans, home expenses and car loans — and fund your goals, all at one low fixed rate. Pay interest only on what you draw for the first two years, and repay the full loan with term options that best suit your financial goals. Get convenient access to funds for large purchases. Plus, the amount you repay will be available to draw on again during the first two years. You won’t be charged origination, maintenance or prepayment fees — ever.

Contact

Headquarters

111 Pine Street
San Francisco, CA 94111
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SuperMoney Net Recommendation Score

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First Republic Bank Personal Line of Credit Community Reviews

Would you recommend First Republic Bank Personal Line of Credit to your friends?

LB

Lynda B.

Aug 7, 2023

May or may not recommend

I don’t know yet I haven’t even explored the web site.

Showing 1 of 1 reviews

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