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Doc2Doc Logo text and overlapping blue symbols
Doc2Doc Logo text and overlapping blue symbols

Applying for a Personal LoanBack to FAQs

  • What do I do if I’m having trouble submitting my application?
    • If you're having trouble submitting your application, you may need to clear your cache. You can also try applying directly at Apply Here. If possible, we suggest you attempt applying from Google Chrome on a desktop computer.
  • Are there any fees?
    • There is a 2% origination fee that is deducted from the amount of the funds you will receive. For example if you borrow $10,000 you will receive $9,800.
  • How long until I get my funds?
    • Funds are disbursed on average within 7 business days of your loan being verified and a final credit agreement has been signed. Please note that holidays may affect the disbursement schedule.
  • Can I use a co-signer?
    • Doc2Doc underwrites just the applicant.
  • Is the interest rate negotiable?
    • We do not negotiate rates.
  • How does Doc2Doc determine my interest rate?
    • Doc2Doc uses a proprietary algorithm that considers various credit related factors and specialty related metrics to determine your rate.
  • What is the difference between a Hybrid, Standard and Bridge Loan payment?
    • Our Hybrid Loan option offers the most flexibility with lower payments during the first 2.5 years of the loan, consisting solely of interest. In the latter half of the loan, the payment increases and is comprised of 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.

      Our Bridge Loan option is for doctors who are transitioning from finishing their training to starting their careers. This loan offers 6 months of interest only payments followed by 54 months of principal and interest payments.
  • Can I choose the repayment terms?
    • In-Training Doctors may choose between the Hybrid or the Standard Loan repayment options. Doctors who are finishing their training and starting their practicing careers can apply for a Bridge repayment where you pay 6 months of IO before transitioning to full principal and interest payments.
  • What is the benefit of enrolling in automatic payments on my Personal Loan?
    • Automatic Recurring Payments help ensure your payments are made on time and will save you money. Not only will you avoid late fees, but you will also receive a 0.25% Interest Rate reduction on your Personal Loan, leading to savings on interest expenses. Payments are reported to the credit bureau and will help build your credit history.
  • Will applying for a personal loan affect my credit score?
    • 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.

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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.





Subject to credit approval, loans will be made by either Bank of Lake Mills or DR Bank (“Banks”). Banks may sell, assign, or transfer ownership of your loan to another party after the loan funds. The borrower will receive notification if the servicing of the loan changes because of any such sale, assignment, or transfer. Bank of Lake Mills and DR Bank. Each Member FDIC.

Want To Keep In Touch?

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

Subject to credit approval, loans will be made by either Bank of Lake Mills or DR Bank (“Banks”). Banks may sell, assign, or transfer ownership of your loan to another party after the loan funds. The borrower will receive notification if the servicing of the loan changes because of any such sale, assignment, or transfer. Bank of Lake Mills and DR Bank. Each Member FDIC.

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