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First Republic Bank personal loans review

Borrowers with excellent credit may qualify for a loan between $60,000 and $250,000.’s rating: 3.2 / 5.0


  • Best for current First Republic Bank customers looking for a large loan.
  • Pick something else if you don't have excellent credit or any liquid assets.


Min. Loan Amount$60,000
Max. Loan Amount$250,000
APRBased on WSJ Prime Rate
Interest Rate TypeVariable
Min. Credit Score750
Loan TermUp to 5 years

*We were provided these product details from a First Republic Bank branch in Oregon. Eligibility requirements and fees may vary by state.

First, am I eligible?

In addition to being at least 18 years old and a US citizen or permanent resident, you must meet these four requirements:

  • Have an account with First Republic Bank.
  • Have credit score of at least 750.
  • Have a debt-to-income ratio of less than 40%.
  • Your liquid assets at least equal to your loan amount.


  • Variable interest rate
  • Funds disbursed quickly after approval
  • Large loans available


  • Rates aren’t listed online
  • High starting loan amount
  • Requires liquid assets
  • No online application

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First Republic Bank reviews and complaints

Because of the limited number of complaints and reviews filed with the BBB, it isn’t possible to gauge borrower experience for its personal loans.

How do I apply?

You can’t apply for a personal loan with First Republic Bank online. Instead, your application starts over the phone at 888-408-0288 or in person at your local branch.

To request a call from First Republic, complete an online form:

  1. Go to First Republic’s website.
  2. Near the bottom of the page, click Have Us Contact You.
  3. Complete the required information and submit.

To find your closest First Republic Bank branch, click Location at the top right of the page and enter your ZIP code, city or state.

More about First Republic Bank loans

What happens after I submit my information?

A banker will be in contact with you to begin the loan application process. They should be able to tell you want information and documents you will need to bring to keep things quick.

How do repayments work with First Republic Bank?

You can make repayments on your loan online, at a branch or through the bank’s mobile app. The sooner you pay off your outstanding balance, the more you’ll save on interest. This is especially true for loans with variable interest rates, as rates can change at any time, potentially increasing the amount you pay monthly.

Like all personal loans, timely payments can help your credit and prevent late fees from accumulating. Your contract will specify the fees you’ll owe should you miss a payment.

Not sure First Republic is right for you? Compare other lenders with our guide to personal loans.

Frequently asked questions

Personal loan ratings

★★★★★ Excellent
★★★★★ Good
★★★★★ Average
★★★★★ Subpar
★★★★★ Poor

We analyze top personal loan providers and rate them one to five stars based on factors that are most important to you. These factors include: rates and fees, customer reviews, loan amounts, loan processing and borrower experience.

Read the full methodology of how we rate personal loan providers.


Review by

Kellye Guinan is a seasoned financial writer with over 500 articles under her belt spanning all things loans from auto to personal to business and everything in between. With four years in the field and five years of research experience, she's able to make complex personal finance decisions easier for anyone to tackle. When she's not up to her knees learning about the latest trends in lending, she spends her time improving her own financial literacy and expertise — and maintaining a Duolingo streak of over 1,300 days.

Expert review

First Republic Bank’s personal loans are ideal for current customers looking to borrow large amounts.

However, you need to have excellent credit and liquid assets to qualify. And it only offers variable rates, though it doesn’t disclose these up front. You also can’t apply online — you’ll need to call or visit your local branch.

Don’t have liquid assets? Compare your other personal loan options below.

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