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* 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. 

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Loan Info

If you just matched, choose "4th Year Medical Student"

If you are practicing, choose "Not in Training"

If you are a 4th Year Medical Student who just matched, choose "No"

If you are still in Residency for >= 6 months, choose "No"

If you are completing Residency in <= 6 months and have an employment contract starting in <= 6 months, choose "Yes"

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Personal Info

*Connecticut, Maine and West Virginia are not eligible
MM/DD/YYYY (e.g. 12/30/1990)

Financial Info

(Please include property insurance, and/or property taxes)
Lender may request your most recent checking and savings account monthly statements to verify

Terms and Conditions

At this time, your application information will be used to provide you with a preliminary interest rate, which are estimates based off the information provided so far and subject to change pending full underwriting review of your application including verification of income.


**Interest rates are subject to change

TELEPHONE CONSUMER PROTECTION ACT (TCPA)

You agree that the lender and any of its affiliates, agents, service providers or assignees (including, but not limited to, any holder of the loan and the servicer of the loan) (any such party, an “Authorized Party”) may use an automatic telephone dialing system to call you, leave you a voice, prerecorded, or artificial voice message, or send you a text, e-mail, or other electronic message for any purpose related to your accounts (each a “Communication”). You agree that an Authorized Party may call or text you at any telephone number that you provide in connection with your accounts, including cellular telephone numbers, and may send an e-mail to any email address that you provide in connection with your accounts. You also agree that an Authorized Party may include your personal information in a Communication. We will not charge you for a Communication, but your service provider may. In addition, you understand and agree that an Authorized Party may always communicate with you in any manner permissible by law that does not require your prior consent. You have authority to provide this consent because you are the subscriber of the telephone number or you are a customary user who has authority to consent to these communications. If you change your telephone number(s), you agree to contact the loan servicer immediately to advise the loan servicer of any such change.

By selecting ‘next’ below, you authorize the lender or loan servicer to call or send text messages to the number you provided above, using an automatic telephone dialing system or artificial or prerecorded voice, for promotional or commercial purposes. If you wish to revoke your consent to be contacted using an automatic telephone dialing system and/or an artificial or prerecorded message to your cellular telephone number, you may call us at 1-404-793-0764, and identify your name, the account(s) affected by your notice, and your telephone number(s).
Click here to read DR Bank's Privacy Policy
DR BANK TERMS AND CONDITIONS

Please read the following terms and conditions carefully before submitting your application. By submitting this application, you acknowledge that you have read, understand, and accept the terms and conditions set forth below.


General Terms and Conditions

When the Loan Processor receives this application, the Lender is not agreeing to lend you money and there will not be such an agreement until the time that the loan is actually disbursed to you. The Lender has the right to accept or reject your application for credit.

By submitting this application, you certify that the information on this application is true and correct to the best of your knowledge. In addition, by submitting this application, you authorize the Loan Processor to verify the accuracy and authenticity of all information supplied by you, both internally and with the assistance of non-affiliated third parties. Specifically, you authorize the Loan Processor to contact your school, employer(s), and other organizations to determine eligibility for this loan. The Loan Processor may also verify any income information that you provide. You also authorize the Loan Processor to release the information in this request and your credit eligibility information to the Lender to assist you with the loan application. In all cases, the Loan Processor may disclose the fact that you are applying for credit from the Lender.

DR Bank will be the initial lender of record for your loan. DR Bank may sell, assign, or transfer ownership of your loan to another party after the loan funds. The borrower will receive notification if the servicing of the loan changes because of any such sale, assignment, or transfer. DR Bank, Member FDIC.


USA PATRIOT Act Information

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, you will be asked to provide your name, address, date of birth, and other information that allows you to be identified as the account applicant. You may be asked to provide your driver’s license or other identifying documents to verify this information.

 
Credit Check Authorization

In order to process your loan application, you authorize the Lender and Lender’s agents (including the Loan Processor) to obtain a consumer credit report in connection with your loan application and in connection with any updates, renewals or extensions of any credit as a result of this loan application. If you ask, you will be informed whether or not such a report was obtained and, if so, the name and address of the agency that furnished the report. You also understand and agree that Lender or Lender’s agents may obtain a consumer credit report in connection with the review or collection of any loan made to you as a result of your loan application or for other legitimate purposes related to such loan. Your authorization to obtain consumer reports from consumer reporting agencies is valid as long as any amounts are owed on your loan.

 
State-Specific Disclosures

CALIFORNIA RESIDENTS: A married applicant may apply for a separate account.

OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

WISCONSIN RESIDENTS: For married Wisconsin residents, my signature on this Credit Agreement confirms that this loan obligation is being incurred in the interest of my marriage or family. No provision of any marital property agreement (pre-marital agreement), unilateral statement under Section 766.59 or court decree under Section 766.70 adversely affects the interest of the Lender unless the Lender, prior to the time that the loan is approved, is furnished with a copy of the agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the Lender is incurred.

 
Military Lending Act Disclosure If you are a member of the active military, or a spouse or dependent of a member of the active military, and your loan is subject to the provisions of the Military Lending Act ("MLA"), the following apply. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Payments are a function of the amount you borrow and the applicable interest rate. Please refer to your Final Loan Disclosures for information regarding your monthly payments for this loan. To hear this statement of your rights under the MLA, and for a description of your payment obligation, please call: (833) 999-3627.

CONSENT TO ELECTRONIC RECEIPT OF ELECTRONIC CONSUMER DISCLOSURES

Last updated: May 23, 2023

From time to time during the loan application process and the term of any loan that you receive, the loan processors may be required by law to provide to you certain written notices or disclosures that apply to your loan application or to your loan. Described below are the terms and conditions for providing to you such notices and disclosures electronically through your online account. Please read the information below carefully and thoroughly, and if you can access this information electronically to your satisfaction and agree to these terms and conditions, please confirm your agreement by checking the "I agree to the E-Sign Consent" checkbox above.

This E-Sign Disclosure and Consent Notice ("Notice") applies to all communications, as defined below, as provided by us. Under this Notice, communications you receive in electronic form from us will be considered "in writing."

COVERED COMMUNICATIONS

The records that you agree to receive in electronic form may include, but are not limited to, disclosures and communications we provide to you regarding our services such as: (i) terms and conditions, privacy statement or notices and any changes thereto; (ii) pre-payment disclosures, transaction receipts and confirmations; and (iii) customer service communications (such as claims of error communications) ("Communications"). You also understand and agree that the Communications will include agreements related to your loan that you will execute with electronic signatures.

METHODS OF PROVIDING COMMUNICATIONS

We may provide Communications to you by email or by making them accessible on the Lender websites, mobile applications, or mobile websites (including via "hyperlinks" provided online and in e-mails). Communications will be provided online and viewable using browser software or PDF files.

Getting paper copies

At any time and without charge, you may print a paper copy of a disclosure or other document provided to you by accessing it via your online account. You may also request a paper copy of any record provided or made available electronically to you by us by emailing support@doc2doclending.com.

Please note that a request for a paper version of any disclosure or document will not by itself constitute a withdrawal of consent to receive communications from us electronically.

Withdrawing your consent

If you decide to discontinue receiving communications and disclosures from us electronically, you may at any time and without charge change your mind and tell us that thereafter you want to receive required notices and disclosures only in paper format. You may withdraw your consent by: sending us an email at support@doc2doclending.com regarding your withdrawal.

Consequences of changing your mind

If you elect to receive required notices and disclosures only in paper format, it will significantly slow the speed at which we can complete certain steps in transactions with you and delivering services to you. In addition, if you withdraw your consent to receive communications electronically, you will lose any applicable benefits that were promised in return for your agreement to receive communications electronically.

Contacting Us

You may contact us to let us know of your changes as to how we may contact you electronically, to request paper copies of certain information from us, and to withdraw your prior consent to receive notices and disclosures electronically. Please contact us by emailing us at support@doc2doclending.com.

Required hardware and software

To receive, access and retain Communications, you must:

Have access to a computer and operating system that can support the functions below, and that permits you to either save documents on a storage device for later reference or is connected to a printer that will print out information displayed on your Internet browser.

• Be able to receive e-mail and be able to view and open attachments that are displayed.

• Have a PDF file viewer like Adobe Acrobat.

• Browsers must be configured to accept cookies.

• Browsers must be configured to execute JavaScript.

• The browser must be able to support 256-bit SSL encryption.

• An “evergreen” browser Web-Browser such as:

o Internet Explorer® (Version 11.0 or greater)

o Microsoft Edge®

o Firefox®

o Safari®

o Google Chrome™

These browsers are known as “evergreen” browsers because they automatically update themselves, and update with such frequency that tracking ever increasing version numbers is not practical for determining support. As a result we test the latest releases of each browser, and will provide support for any recent version.

Although other browsers may work with our services, we do not attempt to resolve issues with browsers that are not listed above. Browsers that are developed to comply with W3C guidelines should operate correctly.

These minimum requirements are subject to change. If these requirements change, we will contact you with an email message at the email address we have on file for you at that time providing you with the revised hardware and software requirements. At that time you will have the right to withdraw your consent.

Advising Us of your new email address

To let us know of a change in your email address, you must send an email message to us at support@doc2doclending.com and in the body of such request you must state: your previous email address and your new email address. We do not require any other information from you to change your email address.

All notices and disclosures will be available to you electronically

Unless you tell us otherwise in accordance with the procedures described herein, we will provide electronically to you all required notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you during the course of our relationship with you as well as other, non-required communications. To reduce the chance of you inadvertently not receiving any notice or disclosure, we prefer to provide all of the required notices and disclosures to you by the same method. Thus, you can receive all the disclosures and notices electronically or in paper format through the paper mail delivery system. If you do not agree with this process, please let us know as described above. Please also see the paragraph above that describes the consequences of your electing not to receive delivery of the notices and disclosures electronically from us.

Acknowledging your access and consent to receive materials electronically

To confirm to us that you can access this information electronically, which will be similar to other electronic notices and disclosures that we will provide to you, please verify that you were able to read this electronic disclosure and that you also were able to print on paper or electronically save this page for your future reference and access or that you were able to email this disclosure and consent to an address where you will be able to print on paper or save it for your future reference and access. Further, if you consent to receiving notices and disclosures exclusively in electronic format on the terms and conditions described above, please let us know by clicking the 'Agree' button below.

By checking the “agree” box, you confirm that:

● You can access and read this Electronic CONSENT TO ELECTRONIC RECEIPT OF ELECTRONIC CONSUMER DISCLOSURES; and

● You can print on paper the disclosure or save or send the disclosure to a place where you can print it, for future reference and access; and

● Until or unless you notify us as described above, you consent to receive, exclusively through electronic means, all notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you by the us during the course of your relationship with us.

● You acknowledge and consent that delivery of documents and information to you by us electronically means that such documents and information may be presented to you primarily via online presentation within your online account.

● You agree to use electronic records and signatures to conduct business with us.

You may unsubscribe from these communications at any time. For more information on how to unsubscribe, our privacy practices, and how we are committed to protecting and respecting your privacy, please review our Privacy Policy.

 

By clicking submit below, you consent to allow Doc2Doc Lending to store and process the personal information submitted above to provide you the content requested.

 

Please do not Submit more than once. Multiple submissions will delay your application decision.