Banking Built for Physicians,
by Doctors

Whether you’re moving for residency, looking for ways to fund your practice, or you simply want personalized serviced from your banking partner – Panacea Financial was built specifically for you.

Banking Built for Physicians,
by Doctors

Whether you’re moving for residency, looking for ways to fund your practice, or you simply want personalized serviced from your banking partner – Panacea Financial was built specifically for you.

Learn more about Panacea Products

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.

Panacea makes it easy for Residents to obtain funding. Their products are tailored to medical professionals in a way that makes their clients feel like they are truly being taken care of.

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!

I am a medical student about to graduate, and wanted to pay off some credit card debt. After applying, I received excellent customer service - they were quick to respond and professional. Overall, I’d highly recommend!

I used Panacea to finance ownership in a surgery center. Multiple banks had various ridiculous options for rates or collateral. Panacea was quick, reliable and fair. I am glad I was referred to them!

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!

As a physician of 34 years in practice, I have dealt with banks and financing companies since the start of my career. I would urge physicians of all stages to contact Panacea Financial for their financing needs. It was refreshing to deal with Alex K!

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!

I paid for a lot of surprise expenses with credit cards while going to medical school. The PRN loan is the solution to unburden myself of 20+% interest rates. Excellent company, easy process, great communication.

We had a complicated financial situation coming out of medical school, worsened by my child's health-related issues. They were able to help us out and understand the bigger context of my future career!

5.0 out of 5.0 stars | 300+ reviews

PRN Personal Loans for Physicians and Medical Students

Fair, affordable Personal loans designed for attendings, residents/fellows, as well as medical and podiatry students.

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

PRN Personal Loans

Fair, affordable Personal loans designed for doctors and trainees to use as needed.

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

Medical Student Loan Refinance

Refinance designed for the loans incurred in medical and podiatry school. Four rates to choose from that do not change with your income or debt level – no wasted time on a pre-application to find your rate.

No loan maximums
Transparent fixed rates
No cosigner
$100 monthly payments while in-training¹

In Practice In Training

Medical Student Loan Refinance

Refinance designed for doctors. Four rates to choose from that doesn’t vary with your income or debt level – no bait and switch, no wasted time on a pre-application to find your rate.

In Practice In Training

Checking & Savings Accounts

Fast and free, our mobile banking is built by doctors, for doctors and doctors in training.

100% Free Checking with unlimited ATM use nationwide
Savings account at 1.25% APY – Over 12x the national average!²
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.

Checking & Savings Accounts

Fast and free, our mobile banking is built by doctors, for doctors and doctors in training.

100% Free Checking with unlimited ATM use nationwide
Savings account at 1.25% APY – Over 12x the national average!²
No monthly fees. No overdraft fees. FDIC Insured.

Disability & Life Insurance

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
We search the market for your best options
Simplified underwriting

Panacea Practice Solutions

Lending and banking services for your practice needs.

We are here to help you accelerate your practice through specialized credit structures, competitive pricing, and experienced advice as you start, build, and grow your practice.

Partner Buy-In
Acquisition
Expansion/Relocation
Refinance/Consolidation
Commercial Real Estate Financing
Equipment
Line of Credit

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.

Community Engagement

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