Personal Loans for physicians at every career stage.

Built for doctors by doctors.

Apply Online
in 5 Minutes
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Check Your Eligibility with No Impact to your Credit Score*
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Fast
Funding
No Prepayment
Penalties

*If you accept and sign your final credit agreement, we will request your full credit report, considered a hard credit check and may affect your credit score.

Lock in a fixed rate, skip the co-signer, save 0.25% with autopay⁺ and refinance when the time is right.

Physicians In Training

Borrow up to
Residents
$25,000
Fellows
$50,000

Interest-only payments for the first half of the loan

Term: 5 Years
APR Ranges: 12.99% – 25.99%

Physicians Finishing Training

Borrow up to
$50,000

For borrowers finishing training in the next 6 months

Interest-only payments for the first 6 months

Term: 5 Years
APR Ranges: 9.99% – 24.99%

Physicians In Practice

Borrow up to
$100,000

Equal principal & interest payments for the life of the loan term

Term: 5 Years
APR Ranges: 9.99% – 24.99%

Eligibility Requirements:

You are eligible to apply for a Physician Personal Loan if you meet the following criteria:

4th year physician icon
Must be a U.S. based resident, fellow, or practicing physician.
US citizen icon
Are a U.S. citizen or permanent resident or temporary resident holding a valid 0-1 or H-1B visa.
Earned a degree icon
Earned an MD, DO, DPM or MBBS degree.
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Have a U.S. mailing address

Except for CT, ME, and WV residents, where we don’t currently offer loans.

Doc2Doc vs. Others

Lender Max Loan Amount
$100,000*
Laurel Road $80,000
Upstart $75,000
Lending Club $60,000
Best Egg $50,000
Panacea Financial $50,000
Discover $40,000

SOURCE: Laurel Road, NerdWallet – Accessed on 10/3/25

The numbers speak for themselves.

Other lenders stop short. Doc2Doc goes further, offering personal loans up to $100,000* with terms designed specifically for doctors.

See what you qualify for in minutes with no impact to your credit.

How can a personal loan help?

Whether you’re completing training or well into your medical career, a personal loan gives you the flexibility to take control of your finances and move forward with confidence.

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Credit Card or Debt Consolidation

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Moving & Relocation

Unexpected emergencies icon

Unexpected Emergencies

Living expenses icon

Living Expenses

Home improvements icon

Home Improvements

Travel icon

Travel

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Wedding & Honeymoon

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Family Planning

We Don’t Just Lend. We Earn Trust – One Doctor at a Time.

Frequently Asked Questions

What may we help you with?

Search to find out more about our process.

  • Credit Card Consolidation
  • Moving and Relocation
  • Home Improvements
  • Debt Refinancing
  • Living Expenses
  • Career Development
  • Weddings and Engagements
  • Unexpected Health Expenses
  • Family Planning
  • Business Expenses, Licensing Fees, Certifications and Tail coverage
  • Investments

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.

Current members whose loans are in good standing can apply to refinance their loan after making two on-time consecutive payments. You would submit a new application for the amount you’d like to refinance.

  • In Practice Doctors can borrow up to $100,000.
  • In Training Residents and Matched 4th-year medical students can borrow up to $25,000.
  • In Training Fellows can borrow up to $50,000
  • In Training Doctors Finishing Training who anticipate graduating in 6 months and have an executed employment contract can borrow up to $50,000 with our Finishing Training 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.

The Doc2Doc Personal Loan provides all your funds at once with fixed monthly payments over a set period and a Fixed Interest Rate while most credit cards have a Variable Interest Rate tied to the Prime Rate that changes when the Federal Reserve changes rates. Credit card payments vary based on the balance on your credit card.

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How to Identify the Best Personal Loans for Physicians
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Call us at (404) 793-0764 to get the answers you need.

Doc2Doc is proud to have supported graduates from over 150 schools

+Subject to the Terms and Conditions of your Credit Agreement