Welcome ACEP Members!

An exclusive cash-back offer when you take out a PRN Loan.

In partnership between the American College of Emergency Physicians and Panacea Financial – the bank offering for doctors, built by doctors.

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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Dr. G in FloridaResident - Psychiatry
Read More
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
Read More
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
Read More
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
Read More
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
Read More
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
Read More
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
Read More
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
Read More
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 Loan
Student Loan Refinance
Practice Loans
Whatever Else Your Life Needs

PRN Personal Loans

Fair, affordable Personal loans for doctors and trainees to use as needed. Fixed rates that vary with term as low as 6.75% APR.

ACEP Members

M4 Medical Students

Panacea Financial and ACEP are offering $50 cash back or $60 ACEP dues for 4th year Medical students.

Enter promo code ACEP2021 on the application.

Residents & Fellows

Panacea Financial and ACEP is offering $100 cash back or $105 ACEP dues for Residents and Fellows.

Enter promo code ACEP2021 on the application.

Residents & Fellows

Panacea Financial and ACEP are offering $100 cash back or $105 ACEP dues for Residents and Fellows.

Enter promo code ACEP2021 on the application.

Attendings

Panacea Financial and ACEP are offering $100 cash or $150 ACEP dues for Attendings.

Enter promo code ACEP2021 on the application.

Panacea Team

About us

We’re a financial services company for doctors, created by doctors. Panacea Financial understand your banking needs because we’ve been through it before.

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Panacea Products

Offer Details

  1. Bonus incentive offered to ACEP Members in good standing. Offer cannot be combined with any other offers, except any discount for making automatic payments.
  2. Offer subject to change.
  3. Cash back or dues paid available only on a new PRN loan origination