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Once your funds are disbursed you will receive instructions on how to register and create your servicing account. You can register for our secure portal here.
Your first payment defaults to 30 days after your funds are disbursed. If you would like to extend it up to 45 days, please login to your account on our secure portal and request a due date change or you can call 1-877-205-8985.
You can find personal loan documents within your Doc2Doc Lending – Login (youronlineaccount.com)
No, a large payment will pay off more of the principal balance. The monthly minimum payment is always the same. Making larger payments will reduce the term length.
We are here to help. Please visit https://www.doc2doclending.com/manage-my-loan/financial-hardship/ or email us at [email protected] with a short summary of how we can help. It’s important that you reach out before your payment is due with the hardship or the delinquency will be reported to the credit bureaus.
There are no tax documents for your personal loans. Login to your account on our secure portal to review your statement and loan documents.
Yes, the personal loan will report to the credit bureaus as an installment debt.
A secured personal loan requires collateral, such as a home or car, to back the loan. If the borrower defaults, the lender can seize the collateral to recover the debt. An unsecured personal loan does not require collateral and is based solely on the borrower’s creditworthiness. As a result, unsecured personal loans typically have higher interest rates as they pose a higher risk to the lender.
The interest is the cost of borrowing money expressed as a percentage, while the APR includes all the costs associated with borrowing, such as interest rate, fees, and other charges. That is why the APR is often higher than the interest rate.
Our fixed interest rate personal loans offer simple interest rates. The interest rate is set at the time of origination, accrues daily, and does not change. Interest is charged only on the principal balance and unlike credits card interest is not charged on interest that is accrued.
There is no prepayment penalty. You can pay the loan off at any point and only pay the interest that accrued until that point.
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.
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.