*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.
Interest-only payments for the first half of the loan
Term: 5 Years
APR Ranges: 12.99% – 25.99%
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%
Equal principal & interest payments for the life of the loan term
Term: 5 Years
APR Ranges: 9.99% – 24.99%
You are eligible to apply for a Physician Personal Loan if you meet the following criteria:
Except for CT, ME, and WV residents, where we don’t currently offer loans.
| 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
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.
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.
Credit Card or Debt Consolidation
Moving & Relocation
Unexpected Emergencies
Living Expenses
Home Improvements
Travel
Wedding & Honeymoon
Family Planning
Search to find out more about our process.
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.
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.
As you transition from medical school to residency, managing your finances may seem daunting. With increasing expenses, loans, and limited time, it’s essential to establish a solid financial foundation early
As a physician, job satisfaction is not just about earning a paycheck; it’s about finding fulfillment in helping others and making a real difference in people’s lives. As healthcare professionals
Questions? We are here to help.
Call us at (404) 793-0764 to get the answers you need.
















+Subject to the Terms and Conditions of your Credit Agreement