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First Republic Bank personal loans review

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Borrowers with excellent credit may qualify for a loan between $60,000 and $250,000.

  • 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.

$250,000

Max. Loan Amount

Based on WSJ Prime Rate

APR

750

Min. Credit Score

Details

Product NameFirst Republic Bank Eagle Gold Loans
Min. Loan Amount$60,000
Max. Loan Amount$250,000
APRBased on WSJ Prime Rate
Interest Rate TypeVariable
Min. Credit Score750
Maximum Loan Term5 years

Expert review

Kellye Guinan

Review by


Kellye Guinan is a writer and editor with Finder and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

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.

*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.

Pros

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

Cons

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

Compare other personal loan providers

Updated December 8th, 2019
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
5.95% to 35.99%
Fair to excellent credit
$100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
3.84% to 35.99%
Good to excellent credit
$100,000
Get loan offers from multiple lenders at once without affecting your credit score.
6.98% to 35.89%
600
$50,000
Affordable loans with two simple repayment terms and no prepayment penalties.
3.84% to 35.99%
550
$100,000
Get connected to competitive loan offers instantly from top online consumer lenders.
34% to 155% (Varies by state)
No minimum
$10,000
Check eligibility in minutes and get a personalized quote without affecting your credit score.
3.99% to 35.99%
450
$100,000
Quickly compare multiple online lenders with competitive rates depending on your credit.
6.49% to 17.99%
650
$25,000
With over 80 years of lending experience, this credit union offers personal loans for a variety of expenses.
6.95% to 35.89%
640
$40,000
A peer-to-peer lender offering fair rates based on your credit score.
5.99% to 17.88%
680
$100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.

Compare up to 4 providers

What do customers say about First Republic Bank?

BBB accreditedNo
BBB ratingA+
BBB customer reviews1 out of 5 stars, based on 2 customer reviews
Trustpilot score3.2 out of 5, based on 2 customer reviews
Customer reviews verified as of26 November 2019

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.

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