No, a co-signer is not required. Our underwriting is tailored for doctors (including dentists), based on your professional credentials and future income potential, rather than relying solely on a long credit history or a co-signer. Because we design our offerings specifically for doctors, we allow for applicants who may have limited credit history but strong professional prospects
Yes, you can consolidate eligible debt (e.g., credit cards, personal lines) into one fixed-rate installment loan, potentially reducing your interest rate and simplifying payments.
A personal loan from Doc2Doc can help you in several ways:
Because our products are designed specifically for doctors (including dentists) we take into account your future earning potential, reducing the mismatch of conventional loans for new or early-career doctors.
Yes our Transition to Practice loan is for Doctors who are within 6 months of finishing their training. We will evaluate your upcoming salary, debt load, and professional status to determine approval and rate. If you’re about to start your first practice job post-residency, indicate that in your application so we can consider your future income and professional trajectory.
Doc2Doc Lending conducts a soft credit pull that will not affect your credit score when you Apply for a Personal Loan. If you accept and sign your final credit agreement, we will request your full credit report, which is considered a hard credit pull and may affect your credit score.
Our Hybrid Loan option offers the most flexibility with lower payments during the first half of the loan, consisting solely of interest. In the latter half of the loan, the payment increases and comprises principal and interest. This option is only for in-training doctors.
Our Standard Loan option offers equal monthly payments for the entire loan comprised of principal and interest.