Personal Loans for dentists at every career stage.

Built for doctors by doctors.

Apply Online
in 5 Minutes

Check Your Eligibility with No Impact to your Credit Score*

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.

Dentists 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%

Dentists 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%

Dentists 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 Dentist Personal Loan if you meet the following criteria:

Must be a U.S. based paid resident, fellow or practicing dentist.

Are a U.S. citizen or permanent resident or temporary resident holding a valid 0-1 or H-1B visa.

Earned a DMD or DDS degree.

Have a U.S. mailing address

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

How can a personal loan help?

Whether you’re a dentist in training or already in practice, a personal loan gives you the freedom to manage your finances with confidence.

Credit Card or Debt Consolidation

Moving & Relocation

Unexpected Emergencies

Living Expenses

Home Improvements

Travel

Wedding & Honeymoon

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.

Can I get a personal loan while I’m still in training or residency?

In Training and Practicing Physicians

4th-year medical and podiatric and students who have successfully matched into a paid residency program.
U.S. citizen, permanent resident, or temporary resident holding a valid 0-1 or H-1B visa.
Earned an MD, DO, DPM or MBBS degree.
U.S. mailing address except for residents of CT, ME and WV where we do not offer loans.

In Training and Practicing Dentists

Dental students who have successfully matched into a paid residency program.
U.S. citizen, permanent resident, or temporary resident holding a valid 0-1 or H-1B visa.
U.S. mailing address except for residents of CT, ME and WV where we do not offer loans.
Earned a DDS or DMD degree.

Pharmacists

Practicing in the United States.
U.S. citizen or permanent resident.
Earned a PharmD degree.
U.S. mailing address except for residents of Colorado, Connecticut, Kansas, Louisiana, Maine, Montana, Nebraska, New Jersey, Pennsylvania, South Dakota, West Virginia, and Wyoming residents, where we do not currently offer loans.

Veterinarians

Practicing in the United States.
U.S. citizen or permanent resident.
Earned a DVM/VMD degree.
U.S. mailing address except for residents of Colorado, Connecticut, Kansas, Louisiana, Maine, Montana, Nebraska, New Jersey, Pennsylvania, South Dakota, West Virginia, and Wyoming residents, where we do not currently offer loans.

Optometrists

Practicing in the United States.
U.S. citizen or permanent resident.
Earned an OD degree.
U.S. mailing address except for residents of Colorado, Connecticut, Kansas, Louisiana, Maine, Montana, Nebraska, New Jersey, Pennsylvania, South Dakota, West Virginia, and Wyoming residents, where we do not currently offer loans.

Can I apply before I start my first job after dental residency?

Yes our Transition to Practice loan is for Doctors who are within 6 months of finishing their training. We will evaluate your upcoming salary, debt load, and professional status to determine approval and rate. If you’re about to start your first practice job post-residency, indicate that in your application so we can consider your future income and professional trajectory.

How can a personal loan help practicing dentists?

A personal loan from Doc2Doc can help you in several ways:

Consolidate high-interest debt (credit cards, tuition, etc), thereby reducing monthly interest and improving cash flow.
Bridge the period between finishing training and securing full income — you may select repayment options that better match your transition.
Invest in your practice or professional development (equipment, relocation, marketing) rather than relying on high-rate credit cards.
Build credit as a dentist by establishing a fixed-term installment loan with the appropriate structure for your career stage.

Because our products are designed specifically for doctors (including dentists) we take into account your future earning potential, reducing the mismatch of conventional loans for new or early-career doctors.

Can I use this loan to consolidate my existing debt?

Yes, you can consolidate eligible debt (e.g., credit cards, personal lines) into one fixed-rate installment loan, potentially reducing your interest rate and simplifying payments.

Do I need a co-signer if I have limited credit history?

No, a co-signer is not required. Our underwriting is tailored for doctors (including dentists), based on your professional credentials and future income potential, rather than relying solely on a long credit history or a co-signer. Because we design our offerings specifically for doctors, we allow for applicants who may have limited credit history but strong professional prospects

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