We do not negotiate rates.
Doc2Doc uses a proprietary algorithm that considers various credit related factors and specialty related metrics to determine your rate.
Our Hybrid Loan option offers the most flexibility with lower payments during the first 2.5 years of the loan, consisting solely of interest. In the latter half of the loan, the payment increases and is comprised of principal and interest. This option is only for in-training doctors.
Our Standard Loan option offers equal monthly payments for the entire loan comprised of principal and interest.
Our Bridge Loan option is for doctors who are transitioning from finishing their training to starting their careers. This loan offers 6 months of interest only payments followed by 54 months of principal and interest payments.
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.
Doc2Doc 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.
You will receive a loan decision within 24 hours of applying. Please check your spam if you have not heard from us, as often, bank emails get flagged as spam. If the loan decision is not in your inbox, please email [email protected] and request that a loan decision be resent.