ACEP
Member Benefits
Panacea can help ACEP members save thousands. Simply use promo code ACEP2024 on your application to qualify for benefits and join the bank built for doctors, by doctors.
ACEP Member Benefits
Panacea can help ACEP members save thousands.
Simply use promo code ACEP2024 on your application to qualify for benefits and join the bank built for doctors, by doctors.
$50 CASH BACK1
M4 STUDENT
For 4th year medical students who take out a PRN Loan with promo code ACEP2024 on your application.
$100 CASH BACK1
RESIDENT, FELLOW, ATTENDING
For residents, fellows, and attendings who take out a PRN Loan with promo code ACEP2024 on your application.
$100 CASH BACK1
When you refinance your student loans with promo code ACEP2024 on your application
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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.
Student Loan Refinance For Physicians
Transparent
Rates
No
Maximums
Cosigners
In-House
Servicing
Refinancing designed specifically for the expensive debt accrued during medical school. Four rates to choose from that do not change — no bait and switch, no wasted time on a pre-application to find your rate.
- Transparent Rates
- No Maximums
- No Cosigners
- In-House Servicing
Transparent
Rates
Cosigners
No
Maximums
In-House
Servicing
PRN Personal Loans
Funding In As
Little As 24 Hours
No
Cosigner
No Prepayment
Penalties
100%
Digital
Fair and affordable personal loans up to $50,0003 with low, transparent, fixed rates quick to use as needed.
Enter promo code on the application to get a rate discount when you take out a PRN Personal Loan.
- Funding In As Little As 24 Hours
- No Cosigner
- No Prepayment Penalties
- 100% Digital
Funding In As
Little As 24 Hours
No Prepayment
Penalties
No
Cosigner
100%
Digital
Rate Discount Details
- 1. Cash back or dues available only on new PRN loan origination and new Student Loan Refinance Loan origination, and will be deposited into a Panacea Checking Account within 60 days of loan completion.
- Bonus incentive offered to ACEP physicians. Offer cannot be combined with any other offers, except any discount for making automatic payments. Offer subject to change. To receive the offer, you must: (1) register and/or apply with promocode ACEP2022, (2) complete a loan application with Panacea Financial within 30 days of your application submit date, (3) and meet Panacea Financial underwriting criteria.
- 2. National Average based on FDIC as of 10/5/2023 (https://www.fdic.gov/regulations/resources/rates). APY = Annual Percentage Yield. The advertised APY is effective 10/6/2023 and subject to change thereafter. No minimum balance required to obtain the APY. The minimum to open a Panacea Savings Account is $25. Fees may reduce earnings. Offer is subject to change without notice and may be withdrawn at any time.
- 3. Not all applicants qualify for the lowest rate or maximum loan amount; subject to credit approval. Total borrower maximum varies by stage of career and with credit score. To check the rates and terms you qualify for, click “Apply Today” and Panacea will conduct a soft credit pull to determine your possible rate and will not affect your credit score.