Medical Students

Getting you what you need when you need it.

It’s time to be treated like an adult

We’ll keep it short: Panacea Financial will get you the money you need, fast. After receiving a completed application, we can have your loan funded in less than 24 hours.

We’ll explain the how below, but as for the why? Unlike traditional banks and lenders, we believe your current financial profile isn’t an accurate representation of how low risk you actually are. We offer low, fixed rates because we recognize that being a medical student is a much better responsibility metric than your credit score.

Your orders may still need cosigning, but not your loans

Even though you are wrapping up med school and don’t have a steady income yet, we value your future contributions. Given your professional life ahead, we do not require a cosigner when banking with Panacea Financial.

As your financial partners, we’ll help you get the money you need when you need it — as well as a reliable and personal banking experience centered around you.

For example, our PRN Loans for M4s feature:

  • Loan funding within 24 hours
  • No loan payments during your M4 year
  • Interest-only payments during residency
  • No cosigner required for our lowest rates

For complete loan and banking details, see

Financial Care for Med Students

The last thing you have is time.

So explain this conundrum: you give school your blood, sweat, and tears every single day. But in order to continue training, you are repeatedly asked to spend more on everything from USMLE Step Exams to Residency Applications. And yet, when you need some extra cash, you have to suffer the indignity of getting rejected on a $3,000 loan or are expected to run up debt on a high-interest credit card.

We’ve been there. It’s infuriating. And as for asking a family member for a loan (again)? That can be humiliating.

When you work with our team, you’ll be treated like the professional that you are. And you’ll be recognized for the sacrifices you’ve endured.

So long as you can prove you’re a medical trainee without an adverse credit event (such as bankruptcy or debt default in the last 90 days), we can get you your money in as little as 24 hours after receiving your completed application.

Powering Your Priorities

We understand. You have so little free time, you probably haven’t even read this far.

At this stage of your training, you need to focus all of your energy on your future: what residency you’re pursuing, where to interview, and whether you want to move.

You don’t need to waste your time solving problems that shouldn’t exist in the first place.

When you need money to move, pay rent, or simply to live a little bit, we have you covered.

Financial Services for the Medical Community

Our mission is to help you achieve financial freedom, while protecting your valuable time and increasing access and opportunity along the way. See how we help:

Featured Resources

Here’s to better financial solutions for physicians and dentists