Loan Programs.

Loan Programs.

Standard Loan: Principal + Interest

A Standard Principal and Interest loan would have a fixed payment for each month of the term. A portion of each payment lowers the outstanding principal balance.

Hybrid Loan: Interest Only and Principal + Interest1

First half of loan term will be low interest-only payments; the second half will be principal and interest. These loans have a much lower monthly payment during the interest-only portion and can be easier to manage upfront on a tight budget.

Standard Loan: Principal + Interest

A Standard Principal and Interest loan would have a fixed payment for each month of the term. A portion of each payment lowers the outstanding principal balance.

Hybrid Loan: Interest Only and Principal + Interest1

First half of loan term will be low interest-only payments; the second half will be principal and interest. These loans have a much lower monthly payment during the interest-only portion and can be easier to manage upfront on a tight budget.

In-Practice Personal Loans

Borrower Eligibility*:

  • U.S.-based in-practice physicians and dentists with MD, DO, or DDS degree.
  • Must be a U.S Citizen, a permanent resident, or hold a valid O1 or H1B visa.
  • Must reside in the District of Columbia or one of the 48 states we lend in (all but Iowa and West Virginia).
Loan Specifics Standard
Interest Rate Ranges 5.99%-14.99%
APR Ranges 6.83%-15.91%**
Repayment Terms 5 years
Loan Amounts $5,000-$100,000***
Loan Type Personal
Origination Fee 2%
Minimum Monthly Payment $75****
ACH Discount 0.25%
Type of Rate Fixed

In-Practice Personal Loans

Borrower Eligibility*:

  • U.S.-based in-practice physicians and dentists with MD, DO, or DDS degree.
  • Must be a U.S Citizen, a permanent resident, or hold a valid O1 or H1B visa.
  • Must reside in the District of Columbia or one of the 48 states we lend in (all but Iowa and West Virginia).
Loan Specifics Standard
Interest Rate Ranges 5.99%-14.99%
APR Ranges 6.83%-15.91%**
Repayment Terms 5 years
Loan Amounts $5,000-$100,000***
Loan Type Personal
Origination Fee 2%
Minimum Monthly Payment $75****
ACH Discount 0.25%
Type of Rate Fixed

In-Training Personal Loans

Borrower Eligibility*:

  • U.S.-based in-training (resident/fellow) physicians and dentists with MD, DO, or DDS degree.
  • 4th year U.S. medical and dental students who have successfully matched into a residency program.
  • Must be a U.S Citizen, a permanent resident, or hold a valid O1 or H1B visa.
  • Must reside in the District of Columbia or one of the 48 states we lend in (all but Iowa and West Virginia).

O1 and H1B visa holders are eligible for Standard repayment only.

Loan Specifics Standard/Hybrid
Interest Rate Ranges 5.99%-14.99%
APR Ranges 6.83%-15.91%**
Repayment Terms 5 Years
Loan Amounts $5,000-$25,000***
Loan Type Personal
Origination Fee 2%
Minimum Monthly Payment $75****
ACH Discount 0.25%
Type of Rate Fixed

In-Training Personal Loans

Borrower Eligibility*:

  • U.S.-based in-training (resident/fellow) physicians and dentists with MD, DO, or DDS degree.
  • 4th year U.S. medical and dental students who have successfully matched into a residency program.
  • Must be a U.S Citizen, a permanent resident, or hold a valid O1 or H1B visa.
  • Must reside in the District of Columbia or one of the 48 states we lend in (all but Iowa and West Virginia).

O1 and H1B visa holders are eligible for Standard repayment only.

Loan Specifics Standard/Hybrid
Interest Rate Ranges 5.99%-14.99%
APR Ranges 6.83%-15.91%**
Repayment Terms 5 Years
Loan Amounts $5,000-$25,000***
Loan Type Personal
Origination Fee 2%
Minimum Monthly Payment $75****
ACH Discount 0.25%
Type of Rate Fixed

J-1 Visa Personal Loans

Borrower Eligibility*:

  • Must hold a valid J-1 Visa.
  • In-practice physicians and dentists with MD, DO, or DDS degree. Must have a valid J-1 Visa Waiver.
  • In-training physicians and dentists with MD, DO, or DDS degree. Must have at least 3 years left in training.
  • Must reside in the District of Columbia or one of the 48 states we lend in (all but Iowa and West Virginia).
Loan Specifics Principal
Interest Rate Ranges 9.99%-17.99%
APR Ranges 10.87%-19.45%**
Repayment Terms 3 years
Loan Amounts In-Practice: $5,000-$30,000***
In-Training: $5,000-$15,000***
Loan Type Personal
Origination Fee 2%
Minimum Monthly Payment $75****
ACH Discount 0.25%
Type of Rate Fixed

J-1 Visa Personal Loans

Borrower Eligibility*:

  • Must hold a valid J-1 Visa.
  • In-practice physicians and dentists with MD, DO, or DDS degree. Must have a valid J-1 Visa Waiver.
  • In-training physicians and dentists with MD, DO, or DDS degree. Must have at least 3 years left in training.
  • Must reside in the District of Columbia or one of the 48 states we lend in (all but Iowa and West Virginia).
Loan Specifics Principal
Interest Rate Ranges 9.99%-17.99%
APR Ranges 10.87%-19.45%**
Repayment Terms 3 years
Loan Amounts In-Practice: $5,000-$30,000***
In-Training: $5,000-$15,000***
Loan Type Personal
Origination Fee 2%
Minimum Monthly Payment $75****
ACH Discount 0.25%
Type of Rate Fixed

* 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 reservedfor the most creditworthy borrowers.
** Eligibility criteria list is not exhaustive and is subject to change without notice.
*** The minimum loan amount in MA is $7,000 and the minimum loan amount in NH is $11,000.
**** Minimum Monthly Payment applies to Standard Principal and Interest Loans and Hybrid Loans.
1 In-Training Only

Rates, terms and product availability are subject to change

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