Is the interest rate negotiable?

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FAQ

Is the interest rate negotiable?

We do not negotiate rates.

Exclusively and
uniquely for doctors

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If you would like to learn more about how we save doctors thousands of dollars in interest payments, sign up for our newsletter here.

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Personal Loan Standards

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Doc2Doc Lending products are made available by DR Bank, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply. DR Bank may sell, assign, or transfer ownership of your loan to another party after the loan funds. The borrower will receive notification if and when any such sale, assignment, or transfer occurs.

Annual Percentage Rates (APRs) for Doc2Doc personal loans range from 9.99% to 26.99%, which does not reflect the benefits of a possible 0.25% interest rate discount for using automated ACH payments. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.00% to 2.00% of your loan amount, which will be deducted from any loan proceeds you receive. For example: a $35,000 loan with an origination fee of 2.00% and an interest rate of 14.99% has $700 in origination fees and 60 scheduled monthly payments of $832.46.

Doc2Doc personal loans can be pre-paid at any time without penalty and have a minimum term of 60 months and a maximum term of 84 months.

Loan amounts range from $5,000 to $100,000. The minimum loan amount for residents of Massachusetts is $7,000, and the minimum loan amount for residents of New Hampshire is $11,000. Doc2Doc personal loans are not currently available if you live in Maine, West Virginia, or Connecticut.

When you check your rate for a Doc2Doc personal loan, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept and sign your final credit agreement, we will request your full credit report, which is considered a hard credit check and may affect your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.

This is not a guaranteed offer of credit and is subject to credit approval. The term, amount and APR of any loan we may offer to you will depend on your credit score, credit history, verified income, and other factors. The lowest rates are only available to the most qualified applicants

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3343 Peachtree Rd NE, Suite 145-2071, Atlanta, GA 30326