Bridge Loan
Financial solutions tailored to help doctors achieve their goals.
Why choose a Doc2Doc Personal Loan?
^If you accept and sign your final credit agreement, we will request your full credit report, which is considered a hard credit check and may affect your credit score.
+Subject to the terms and conditions of your Credit Agreement.
Bridge Loan: In Training transitioning to In Practice
At Doc2Doc, we know that doctors like you have unique and evolving circumstances while in training. That’s why we’ve designed personal loans to provide you with maximum flexibility.
Our Bridge Loan offers a unique solution to support doctors who have almost completed their training. The bridge loan is available to doctors who anticipate graduating in six months and have an executed employee contract for physician or dental services.
The bridge loan offers a higher amount than our in-training personal loans. During the first 6 months of the loan, payments are lower because they’re just interest. In the last half of the loan term, the payment increases and is made up of principal and interest. Our loans come with the added benefit of no prepayment penalties,. This lets you make additional payments above the minimum amount due, which can be applied towards reducing the principal.
Rates, terms, and product availability are subject to change.
| Loan Specifics | Summary |
|---|---|
| Loan Amounts | $5,000-$50,0001 |
| Loan Term | 5 years |
| Interest Rate Ranges | 8.74%-24.74%3 |
| APR Ranges† | 8.74%-25.75%4 |
| ACH Autopay Discount | 0.25% |
| Origination Fee | 0-2%5 |
| Payment Details | First 6 payments: interest only.
Remaining 54 payments: |
†Annual Percentage Rate (APR)
If you have multiple loans, the max amount for all Doc2Doc loans is $50,000
Eligibility Requirements:
You are eligible to apply for a Personal Loan if you meet the following criteria2:
Are an in-training resident or fellow physician, podiatrist, or dentist training in the United States.
Have an estimated program completion within 6 months of the application date.
Have an executed employment contract for physician or dental services with a start date within 6 months of the anticipated completion date of your program.
Are a U.S. citizen, permanent resident, or temporary resident holding a valid 0-1 or H-1B visa.
Have earned an MD, DO, DPM, MBBS, DDS, or DMD degree.
Have a U.S. mailing address (except for residents of Maine or West Virginia where we don’t currently offer loans).
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Frequently Asked Questions
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1 The minimum loan amount in MA is $7,000 and the minimum loan amount in NH is $11,000.
2 Eligibility criteria list is not exhaustive and is subject to change without notice.
3 With autopay discount of 0.25%. Subject to the terms and conditions of your Credit Agreement.
4 Your actual rate will be within the range of rates listed above and will depend on the evaluation of your creditworthiness, verification of income, loan size and a variety of other factors. Lowest rates are reserved for the most creditworthy borrowers.
5 Your origination fee will be within the ranges listed. The fee is deducted from the requested loan amount. Lowest rates are reserved for the most creditworthy borrowers.
6 In-Training Only.
