Your first payment is automatically scheduled 45 days after your loan is funded.
We know the transition from Match Day to residency comes with major expenses—moving, housing deposits, travel, and waiting for that first resident paycheck. That’s why Doc2Doc intentionally pushes your first payment out 45 days, giving you breathing room before training starts.
This built-in grace period helps you get settled, manage upfront costs, and begin residency on solid financial footing—without immediate repayment pressure.
4th year medical students who match into a US-based residency training program through the National Resident Matching Program, NRMP, are eligible to apply for a Doc2Doc In Training Personal Loan after March 20th, 2026. Opthalmology Match candidates can apply after January 29th, 2026 and Urology Matched candidates can apply after Feb 2, 2026.
IMG are eligible to apply as long as they are matched into a US based residency program and are either a U.S. citizen, permanent resident, or temporary resident holding a valid 0-1 or H-1B visa.
No, unfortunately we do not lend to applicants with J1 visa at this time.
You will receive a loan decision within 24 hours of applying. Please check your spam if you have not heard from us, as often, bank emails get flagged as spam. If the loan decision is not in your inbox, please email [email protected] and request that a loan decision be resent.
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.