Download My Republic Bank Mobile App

*Available or Apple and Android Devices

Forgot Password / Enroll

Online Banking Login

Loan Rates

  • Home Equity, HELOC Rates NJ & PA

    Home Equity Loan for NJ & PA

    Combined Loan to Value of 80% (1)
    Minimum loan amount $5,000

    First Lien Only on Primary or Secondary Residence: 

    Term Rate APR (3) (6) Payment Example (2) *Payment example does not include taxes or insurance.  Actual payment may be higher.
     60 months 6.50% 6.52% $19.57 per $1,000 borrowed
    84 months 6.50% 6.52% $14.85 per $1,000 borrowed
    120 months 6.75% 6.77% $11.48 per $1,000 borrowed
    180 months 7.00% 7.01% $8.99 per $1,000 borrowed

    Home Equity Loan for NJ & PA

    Combined Loan to Value of 80% (1)
    Minimum loan amount $5,000

    Second or Third Consecutive Lien (behind Republic Bank) on Primary or Secondary Residence:

    Term Rate APR (3) (6) Payment Example (2) *Payment example does not include taxes or insurance.  Actual payment may be higher.
    60 months 7.00% 7.02% $19.80 per $1,000 borrowed
    84 months 7.00% 7.02% $15.09 per $1,000 borrowed
    120 months 7.25% 7.27% $11.74 per $1,000 borrowed
    180 months 7.25% 7.26% $9.13 per $1,000 borrowed

     

    Home Equity Line of Credit for PA & NJ

    Combined Loan to value of 80% (1)
    Minimum loan amount $5,000
    This product is a variable rate product with a floor of 3.50% and a maximum of 18.00%
    APR may increase after consummation
    15-year Draw Period(2)
    First, Second or Third Consecutive Lien (behind Republic Bank) on Primary or Secondary Residence

    Loan Amount APR (3)(4)(5)
    Up to $24,999.99 10.25%
    $25,000 to $49,999.99 9.50%
    $50,000 to $74,999.99 9.50%
    $75,000 to $99,999.99 9.25%
    $100,000 to $199,999.99 8.75%
    $200,000 or more 8.49%

     APR for loans up to $24,999.99 is Prime Rate plus 1.75%
     APR for loans up to $25,000-$49,999.99 is Prime Rate plus 1.00%
    APR for loans $50,000-$74,999.99 is Prime Rate plus 1.00%
    APR for loans $75,000 to $99,999.99 is Prime Rate plus .75%
    APR for loans $100,000 to $199,999.99 is Prime Rate plus .25%
    APR for loans over $200,000 is Prime Rate minus .01%


    APR for all loan amounts is based on the Wall Street Journal Prime Rate, currently 8.50%

     

    5 Year Interest Only Home Equity Line of Credit PA & NJ

    Combined Loan to value of 80% (1)
    Minimum loan amount $5,000
    This product is a variable rate product with a floor of 3.50% and a maximum of 18.00%
    APR may increase after consummation
    5-year Draw Period(2)
    First, Second or Third Consecutive Lien (behind Republic Bank) on Primary or Secondary Residence

    Loan Amount APR (3) (4) (5)
    Up to $24,999.99 10.25%
    $25,000 to $99,999.99 9.50%
    $100,000 to $199,999.99 8.50%
    $200,000 or more 8.49%

    APR for loans up to $24,999.99 is Prime Rate plus 1.75%
    APR for loans $25,000-$99,999.99 is Prime Rate plus 1.00%
    APR for loans $100,000 to $199,999.99 is Prime Rate
    APR for loans over $200,000 is Prime Rate minus .01%


    APR for all loan amounts is based on the Wall Street Journal Prime Rate, currently 8.50%

     

    All loans and lines of credit are subject to credit approval.
    All loans and lines of credit are limited to $2,000,000 total consumer exposure per relationship.
    An appraisal performed by a certified or licensed appraiser will be required at the expense of the Applicant. For all loans and lines over $250,000, or 1st lien purchase money transactions or when a Home Value Estimate (HVE) is not acceptable or available. The cost can range from $125.00 -$1,500.00. A
    ny size transaction where the LTV or CLTV exceeds 80%.
    Property insurance is required with Republic First Bank dba Republic Bank listed as mortgagee. Flood insurance may be required if the property resides in a flood hazard area.
    Title insurance is required for loans and lines of credit over $400,000 or for 1st lien purchase money transactions.
    Primary or secondary (vacation home) residences only. Eligible property types include 1-2 family residences, condominiums.
    Non-owner occupied (investment) properties, mobile and manufactured homes, cooperatives and properties held in the name of a Life Trust or Non-Revocable Trust are not eligible. Properties held in the name of a trust require an Attorney Opinion Letter and a $250 prepaid nonrefundable fee for bank attorney review. If you terminate your Home Equity Line or your Five Year Interest Only Home Equity Line of Credit within the first 12 months of the agreement date you will be required to pay 1% of the credit limit not to exceed $250.00

    (1) Maximum combined loan to value (CLTV) is based on creditworthiness. Maximum CLTV of 85.0% is available for second liens only. HELOC rate will increase 1% over the disclosed Rate and APR to qualified borrowers. Home Equity Loan Rate will increase .50% over the disclosed Rate and APR to qualified borrowers. 5 Year Interest Only Line of Credit not applicable. Other terms and conditions may apply.
    (2) After 15 year draw period ends, remaining balance will be billed at principal plus interest following terms in credit agreement.
    (3) APR stands for Annual Percentage Rate
    (4) APR does not include costs other than interest.
    (5) APR is quoted with monthly Automatic Payment Deduction (APD) from a Republic Bank account. APR will increase by .25% if APD Accounts terminated at any time.
  • Home Equity, HELOC Rates NYC

    Home Equity Loan for NYC

    Combined Loan to Value of 80% (1)
    Minimum loan amount $5,000

    First Lien Only on Primary or Secondary Residence: 

    Term Rate APR (3) (6) Payment Example (2) *Payment example does not include taxes or insurance.  Actual payment may be higher.
    60 months 6.50% 6.52% $19.57 per $1,000 borrowed
    84 months 6.50% 6.52% $14.85 per $1,000 borrowed
    120 months 7.00% 7.02% $11.61 per $1,000 borrowed
    180 months 7.00% 7.01% $8.99 per $1,000 borrowed

    Home Equity Loan for NYC

    Combined Loan to Value of 85% (1)
    Minimum loan amount $5,000

    Second or Third Consecutive Lien (behind Republic Bank) on Primary or Secondary Residence:

    Term Rate APR (3) (6) Payment Example (2) *Payment example does not include taxes or insurance.  Actual payment may be higher.
    60 months 7.25% 7.27% $19.92 per $1,000 borrowed
    84 months 7.25% 7.27% $15.22 per $1,000 borrowed
    120 months 7.50% 7.52% $11.87 per $1,000 borrowed
    180 months 7.50% 7.51% $9.27 per $1,000 borrowed

     

    Home Equity Line of Credit for New York City

    Combined Loan to value of 80% (1)
    Minimum loan amount $5,000
    This product is a variable rate product with a floor of 3.75% and a maximum of 18.00%
    APR may increase after consummation
    15-year Draw Period(2)
    First, Second or Third Consecutive Lien (behind Republic Bank) on Primary or Secondary Residence

    Loan Amount APR (3)(4)(5)
    Up to $24,999.99 11.49%
    $25,000 to $74,999.99 10.24%
    $75,000 to $99,999.99 9.75%
    $100,000 to $199,999.99 9.00%
    $200,000 or more 9.00%
    APR for loans up to $24,999.99 is Prime Rate plus 2.99%
    APR for loans $25,000-$74,999.99 is Prime Rate plus 1.74%
    APR for loans $75,000 to $99,999.99 is Prime Rate plus 1.25%
    APR for loans $100,000 to $199,999.99 is Prime Rate plus .50%
    APR for loans over $200,000 is Prime Rate plus .50%
    APR for all loan amounts is based on the Wall Street Journal Prime Rate, currently 8.50%
     

    5 Year Interest Only Home Equity Line of Credit NYC

    Combined Loan to value of 80% (1)
    Minimum loan amount $5,000
    This product is a variable rate product with a floor of 3.75% and a maximum of 18.00%
    APR may increase after consummation
    5-year Draw Period(2)
    First, Second or Third Consecutive Lien (behind Republic Bank) on Primary or Secondary Residence

    Loan Amount APR (3) (4) (5)
    Up to $24,999.99 11.49%
    $25,000 to $49,999.99 10.49%
    $50,000 to $74,999.99 10.24%
    $75,000 to $99,999.99 9.75%
    $100,000 to $199,999.99 9.00%
    $200,000 or more 9.00%
    APR for loans up to $24,999.99 is Prime Rate plus 2.99%
    APR for loans $25,000-$49,999.99 is Prime Rate plus 1.99%
    APR for loans $50,000-$74,999.99 is Prime Rate plus 1.74%
    APR for loans $75,000 to $99,999.99 is Prime Rate plus 1.25%
    APR for loans $100,000 to $199,999.99 is Prime Rate plus .50%
    APR for loans over $200,000 is Prime Rate plus .50%
    APR for all loan amounts is based on the Wall Street Journal Prime Rate, currently 8.50%
     
     
    All loans and lines of credit are subject to credit approval.
    All loans and lines of credit are limited to $2,000,000 total consumer exposure per relationship.
    An appraisal performed by a certified or licensed appraiser will be required at the expense of the Applicant. For all loans and lines over $250,000, or 1st lien purchase money transactions or when a Home Value Estimate (HVE) is not acceptable or available. The cost can range from $125.00 -$1,500.00. 
    Any size transaction where the LTV or CLTV exceeds 80%.
    Property insurance is required with Republic First Bank dba Republic Bank listed as mortgagee. Flood insurance may be required if the property resides in a flood hazard area.
    Title insurance is required for loans and lines of credit over $400,000 or for 1st lien purchase money transactions.
    Primary or secondary (vacation home) residences only. Eligible property types include 1-2 family residences, condominiums.
    Non-owner occupied (investment) properties, mobile and manufactured homes, cooperatives and properties held in the name of a Life Trust or Non-Revocable Trust are not eligible. Properties held in the name of a trust require an Attorney Opinion Letter and a $250 prepaid nonrefundable fee for bank attorney review. If you terminate your Home Equity Line or your Five Year Interest Only Home Equity Line of Credit within the first 12 months of the agreement date you will be required to pay 1% of the credit limit not to exceed $250.00

    (1) Maximum combined loan to value (CLTV) is based on creditworthiness. Maximum CLTV of 85.0% is available for second liens only. HELOC rate will increase 1% over the disclosed Rate and APR to qualified borrowers. Home Equity Loan Rate will increase .50% over the disclosed Rate and APR to qualified borrowers. 5 Year Interest Only Line of Credit not applicable. Other terms and conditions may apply.
    (2) After 15 year draw period ends, remaining balance will be billed at principal plus interest following terms in credit agreement.
    (3) APR stands for Annual Percentage Rate
    (4) APR does not include costs other than interest.
    (5) APR is quoted with monthly Automatic Payment Deduction (APD) from a Republic Bank account. APR will increase by .25% if APD Accounts terminated at any time.
  • Auto Loan "New"

    2023 and 2022 Untitled Models

    Term APR (3) (6) Payment Example (2)
    12 months 6.90% $86.47 per $1,000 borrowed
    24 months 6.90% $44.73 per $1,000 borrowed
    36 months 6.90% $30.83 per $1,000 borrowed
    48 months 6.90% $23.90 per $1,000 borrowed
    60 months 6.90% $19.76 per $1,000 borrowed
  • Auto Loan "Used"

    Maximum Mileage 50,000

    Term APR (3) (6) Payment Example (2)
    24 months (2018) 7.65% $31.18 per $1,000 borrowed
    36 months (2019 & 2020) 7.65% $27.22 per $1,000 borrowed
    48 months (2021 & 2022) 7.65% $24.25 per $1,000 borrowed
  • Unsecured Installment Loan

    Minimum loan amount $1,000 - Maximum loan amount $100,000
    Post Secondary Private Education Loans not eligible under this product

    Term APR (3) (6) Payment Example (2)
    12 months 12.24% $67.40 per $1,000 borrowed
    24 months 12.24% $47.18 per $1,000 borrowed
    36 months 12.24% $33.33 per $1,000 borrowed
    48 months 12.24% $26.45 per $1,000 borrowed
    60 months 12.24% $22.37 per $1,000 borrowed
  • Unsecured Line of Credit

    5 Year Draw Period(7)
    Minimum loan amount $1,000 - Maximum Loan Amount $100,000
    This product is a variable rate product with a Floor of 6.50% and a maximum of 18.00%
    APR may increase after consummation

    Loan Amount APR (3) (6)
    $1,000 to $25,000 12.75%
    $25,001 - $100,000 11.75%

    APR for loans up to $25,000 is based on the current Wall Street Journal Prime Rate + 4.25%
    APR for loans $25,001 and over is based on the current Wall Street Journal Prime Rate + 3.25%
    Wall Street Journal Prime is currently 8.50%

  • Deposit Secured Loan

    Term We offer a variety of terms for our Deposit Secured Loan Product. Contact your local Republic Bank Store for details.
    APR (3) Deposit Account Yield + 2.00%
  • Cash Reserve

    Overdraft Protection Line of Credit
    Minimum loan amount of $500 - Maximum Loan Amount $25,000

    Term 60 months
    APR (3) 12.99%

Rates current as of September 29, 2023.

All loans and lines of credit are subject to credit approval.
All loans and lines of credit are limited to $2,000,000 total consumer exposure per relationship.
An appraisal performed by a certified or licensed appraiser will be required at the expense of the Applicant. For all loans and lines over $250,000, or 1st lien purchase money transactions or when a Home Value Estimate (HVE) is not acceptable or available. The cost can range from $125.00 -$1,500.00. Any size transaction where the LTV or CLTV exceeds 80%
Property insurance is required with Republic First Bank dba Republic Bank listed as mortgagee. Flood insurance may be required if the property resides in a flood hazard area.
Title insurance is required for loans and lines of credit over $400,000 or for 1st lien purchase money transactions.
Primary or secondary (vacation home) residences only. Eligible property types include 1-2 family residences, condominiums.
Non-owner occupied (investment) properties, mobile and manufactured homes, cooperatives and properties held in the name of a Life Trust or Non-Revocable Trust are not eligible. Properties held in the name of a trust require an Attorney Opinion Letter and a $250 prepaid nonrefundable fee for bank attorney review. If you terminate your Home Equity Line or your Five Year Interest Only Home Equity Line of Credit within the first 12 months of the agreement date you will be required to pay 1% of the credit limit not to exceed $250.00

(1) Maximum combined loan to value (CLTV) is based on creditworthiness. Maximum CLTV of 85.0% is available for second liens only. HELOC rate will increase 1% over the disclosed Rate and APR to qualified borrowers. Home Equity Loan Rate will increase .50% over the disclosed Rate and APR to qualified borrowers. 5 Year Interest Only Line of Credit not applicable. Other terms and conditions may apply.
(2) Monthly payment is based on rate displayed- APR is not used to calculate payment.
(3) APR stands for Annual Percentage Rate
(4) After 15 year draw period ends, remaining balance will be billed at principal plus interest following terms in credit agreement.
(5) APR does not include costs other than interest.
(6) APR is quoted with monthly Automatic Payment Deduction (APD) from a Republic Bank account. APR will increase by .25% if APD Accounts terminated at any time.
(7) After 5 year draw period ends, remaining balance will be billed at principal plus interest following terms in credit agreement.