Banking Built for Doctors,
by Doctors

Physicians and Dentists have unique financial needs. Whether you’re moving for residency, opening a practice, or you simply want personalized service from your banking partner –  Panacea Financial was built specifically for you.

Banking Built for Doctors,
by Doctors

Physicians and Dentists have unique financial needs. Whether you’re moving for residency, opening a practice, or you simply want personalized service from your banking partner – Panacea Financial was built specifically for you.

Panacea checking card - accepted everywhere Visa is!

About Us

Today's financial companies are in the way. We're going to change that.

Born out of the shared pain and experiences of our founders, Panacea Financial was created by doctors, for doctors. We’re dedicated to making financing simpler to understand and easier to access.

Our customers love us! See our Trustpilot.
Dr. G in FloridaResident - Psychiatry
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Panacea makes it easy for Medical students/Residents/Fellows/Attending physicians obtain funding. The loan application process was straight forward and easy to understand. Their fixed interest rates and term structures are innovative and tailored to medical professionals in a way that makes their clients feel like they are truly being taken care of. Highly recommended, from one physician to another!
Dr. W in LouisianaAttending - Family Medicine
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Prompt, professional, no gimmicks, and excellent rates. I was approved and funded in one day. I highly recommend Panacea Financial. Glad I found these guys! Thank you.
Student Doctor T in Florida4th Year Medical Student
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I am a medical student about to graduate. I wanted to pay off some credit card debt. After applying, I received excellent customer service, and can confirm this is a reputable company. Employees were quick to respond and professional. I got my loan quickly at a competitive rate. Overall, I’d highly recommend!
Dr. B in New YorkResident - Internal Medicine
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My personal experience with Panacea is phenomenal! As a financial institution, it is by far the best. I literally mean the best financial institution I have ever dealt with. I have had unexpected expenses and I needed a professional and yet generous lender. The whole process took literally less than 72 hours, very professional, friendly and on spot team.
Dr. H in Rhode IslandAttending - Family Medicine
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As a seasoned physician of 34 years in practice, I have dealt with banks and financing companies since the start of my practice. It was refreshing to deal with Alex K. and the professionalism that he exhibited. The process was smooth, including the signing of my loan documents, and fund distribution. I would urge physicians of all stages to contact Panacea Financial for their financing needs.
Dr. A in FloridaResident - Internal Medicine
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Panacea Financial is unlike any other financial institution I’ve encountered. The online interface is very user friendly and the staff are very responsive and helpful. I truly feel like I’ve joined a family. I would highly recommend their services.
Dr. G in MissouriAttending - Family Medicine
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I paid for most of my living expenses with credit cards while going to school in one of the most expensive cities in the world. The PRN loan is providing me the option to unburden myself of that 20ish% interest and actually have a shot at getting rid of that debt in a reasonable amount of time. Next step - student loans. Excellent company. Easy process. Great communication. I’ll be back.
Dr. H in FloridaResident - Dermatology
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Great experience thus far. We had a complicated financial situation coming out of medical school, worsened by my child's health-related issues, an already financial difficult time was made extraordinary difficult. The PRN loan was able to help us out significantly and they were able to help us out and understand our context of future earning with situation in training.
Dr. B in MassachusettsAttending - Ophthalmology
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I used Panacea to finance ownership in a surgery center. Multiple banks had various ridiculous options for rates or collateral. But Panacea was quick, reliable and fair. I am glad I was referred to them.
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PRN Personal Loans

Fair, affordable PRN Personal loans designed for dentists and physicians throughout their career: from school, through training, and into practice. 

  • Transparent fixed rates
  • No cosigner
  • Up to $75,000 in as little as 24 hours

Medical

Med students, residents, fellows and attendings: your money as needed.

Dental

For dental students, residents, and practicing dentists.

PRN Personal Loans

Fair, affordable PRN Personal loans designed for dentists and physicians throughout their career: from school, through training, and into practice. 

  • Transparent fixed rates
  • No cosigner
  • Funding in as little as 24 hours

Student Loan Refinance for Dentists and Physicians

Refinance designed specifically for the expensive debt accrued during medical and dental school. Four rates to choose from that do not change with your income or debt level – no bait and switch, no wasted time on a pre-application to find your rate.

  • No loan maximums
  • Transparent fixed rates
  • No cosigner
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Panacea mobile banking app - take us everywhere!

Checking & Savings Accounts

Fast and free, our mobile banking is built by doctors, for dentists and physicians at all stages of their career.

  • 100% Free Checking with unlimited ATM use nationwide
  • Savings account at 0.60% APY – 9x the national average!
  • No monthly fees. No overdraft fees. FDIC Insured.

Student Loan Refinance for Dentists & Physicians

Refinance designed specifically for the expensive debt accrued in medical and dental school. Four rates to choose from that do not vary with your income or debt level – no bait and switch, no wasted time on a pre-application to find your rate.

Checking & Savings Accounts

Panacea mobile banking app - take us everywhere!

Fast and free, our mobile banking is built by doctors, for dentists and physicians at all stages of their training.

  • 100% Free Checking with unlimited ATM use nationwide
  • Savings account at 0.60% APY – 9x the national average!
  • No monthly fees. No overdraft fees.

Practice Loans and Deposits

Lending and banking services for your practice needs.

The Panacea Practice Solutions team is here to help you accelerate your practice through specialized credit structures, competitive pricing, and experienced advice as you start, build, and grow your practice.

Copy of July 1 - Panacea Practice Solutions 1080x1080 (4)
Curbsiding a consultant

Insurance - Disability, Life and Commerical Coverage

No insurance-jargon filled sales pitch, no steak dinners – just an experience-based conversation to help you understand what you need, and what you don’t.

  • Specialized pricing for denists and physicians
  • We search the market for your best options
  • Simplified underwriting, reduced pre-medical requirements

Panacea Practice Solutions

Lending and banking for all your practice needs.

The Panacea Practice Solutions team is here to help you accelerate your practice through specialized credit structures, competitive pricing, and experienced advice as you start, build, and grow your practice.

Disability & Life Insurance

Curbsiding a consultant

No insurance-jargon filled sales pitch, no steak dinners – just an experience-based conversation to help you understand what you need, and what you don’t.

  • Specialized pricing for physicians and dentists
  • Competitive quotes from top carries
  • Simplified and streamlined underwriting

On Call Customer Service on Your Schedule

We're available to help 24 hours a day, 7 days a week.

Personalized Service

Primary care banker is a text, call, or email away.

On Call Customer Service on Your Schedule

We're available to help 24 hours a day, 7 days a week.

Personalized Service

Primary care banker is a text, call, or email away.

Community Engagement

We are committed to diversifying our physician workforce through scholarships and grants to underrepresented minority medical trainees as well as funding like-minded organizations.

This is part of our mission, this is who we are. We will make medicine better.

Pediatrician examining a child

Community Engagement

Pediatrician examining a child

We are committed to diversifying our physician workforce through scholarships and grants to underrepresented minority medical trainees as well as funding likeminded organizations.

Articles and Resources

Explore our collection of advice and tools to help physicians better position themselves for career and financial success.

Articles and Resources

Explore our collection of advice and tools to help physicians better position themselves for career and financial success.

The Panacea Network

Panacea Community

Want to know what’s next at Panacea Financial?

Follow us to find out first.

Panacea Community

Want to know what’s next at Panacea Financial?

The Panacea Network

Follow us to find out first.

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Panacea Products