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, DDS, or DMD degree.
  • Must be a U.S Citizen, a permanent resident, or hold a valid O-1 or H-1B 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 8.74%1-16.74%
APR Ranges 9.61%-17.68% APR**
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, DDS, or DMD degree.
  • Must be a U.S Citizen, a permanent resident, or hold a valid O-1 or
    H-1B 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 8.74%1-16.74%
APR Ranges 9.61%-17.68% APR**
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, DDS, or DMD 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 O-1 or H-1B Visa.
  • Must reside in the District of Columbia or one of the 48 states we lend in (all but Iowa and West Virginia).

O-1 and H-1B Visa holders are eligible for Standard repayment only.

Loan Specifics Standard/Hybrid
Interest Rate Ranges 8.74%1-16.74%
APR Ranges 9.61%-17.68% APR**
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, DDS, or DMD 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 O-1 or
    H-1B Visa.
  • Must reside in the District of Columbia or one of the 48 states we lend in (all but Iowa and West Virginia).

O-1 and H-1B Visa holders are eligible for Standard repayment only.

Loan Specifics Standard/Hybrid
Interest Rate Ranges 8.74%1-16.74%
APR Ranges 9.61%-17.68% APR**
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, DDS, or DMD degree. Must have a valid J-1 Visa waiver.
  • In-training physicians and dentists with MD, DO, DDS, or DMD 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 9.74%1-19.74%
APR Ranges 10.61%-20.70%**
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, DDS, or DMD degree. Must have a valid J-1 Visa waiver.
  • In-training physicians and dentists with MD, DO, DDS, or DMD 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 9.74%1-19.74%
APR Ranges 11.13%-21.47%**
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

1 with autopay discount of .25%
* 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.
** 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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