Banking Built for Veterinarians

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 Veterinarians

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

Our customers love us! See our Trustpilot.
Dr. W in Louisiana
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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 Florida
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I am a 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 York
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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 Island
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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 Florida
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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 Missouri
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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 Florida
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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 Massachusetts
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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 for Veterinarians and Veterinary Students

Fair, affordable Personal loans designed for veterinarians and veterinarians in training to use as needed. 

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

PRN Personal Loans for Veterinarians and Veterinary Students

Fair, affordable Personal loans designed for veterinarians and veterinarians in training to use as needed. 

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

Veterinary Student Loan Refinance

Refinance designed for veterinarians. 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
  • $100 monthly payments in-training1
c/s acc vet image

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 0.60% APY – 9x the national average!
  • No monthly fees. No overdraft fees. FDIC Insured.

Veterinary Student Loan Refinance

Refinance designed for veterinarians. 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.

Checking & Savings Accounts

c/s acc vet image

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 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.

insurance vet image

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 veterinarians
  • 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.

Disability & Life Insurance

insurance vet image

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 veterinarians
  • Competitive quotes from top carries
  • Simplified 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.

Articles and Resources

Explore our collection of advice and tools to help doctors 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

If you are looking to refinance federally held student loans please be aware of recent legislative changes that have suspended payments and waived interest on such loans until the end of January 2021 due to COVID-19. Please carefully consider these changes before refinancing federally held loans with Panacea Financial as in doing so you will no longer qualify for these changes or other future benefits applicable to federally held loans.

1. Time of reduced payments at $100 selected at time of loan orgination, up to three years. Borrowers can refinance for a further three years, maintaining $100 payments for a total of six years.

Doctor In Training Loan Refinance payment schedule examples:

7 year Reduced Payment Options:

7 year (84 months) fixed rate, $300,000 at 3.75% (3.73 % APR): Months 1 -12 @ $100.00 per month, Months 13-84 @ $4814.84 per month;

7 year (84 months) fixed rate, $300,000 at 3.75% (3.69 % APR): Months 1 -24 @ $100.00 per month, Months 25-84 @ $5856.51 per month;

7 year (84 months) fixed rate, $300,000 at 3.75% (3.63 % APR): Months 1 -36 @ $100.00 per month, Months 37-84 @ $7412.04 per month;

10 year Reduced Payment Options:

10 year (120 months) fixed rate, $300,000 at 4.25% (4.23 % APR): Months 1 -12 @ $100.00 per month, Months 13-84 @ $3475.52 per month;

10 year (120 months) fixed rate, $300,000 at 4.25% (4.18 % APR): Months 1 -24 @ $100.00 per month, Months 25-84 @ $3972.00 per month;

10 year (120 months) fixed rate, $300,000 at 4.25% (4.12 % APR): Months 1 -36 @ $100.00 per month, Months 37-84 @ $4604.38 per month;

15 year Reduced Payment Options:

15 year (180 months) fixed rate, $300,000 at 4.50% (4.48 % APR): Months 1 -12 @ $100.00 per month, Months 13-84 @ $2507.52 per month;

15 year (180 months) fixed rate, $300,000 at 4.50% (4.43 % APR): Months 1 -24 @ $100.00 per month, Months 25-84 @ $2746.46 per month;

15 year (180 months) fixed rate, $300,000 at 4.50% (4.37 % APR): Months 1 -36 @ $100.00 per month, Months 37-84 @ $3020.25 per month;

All associated discounts applied to Panacea and competitor rates and terms. All Panacea APRs assume a 0.50% discount to auto-pay from a Panacea Checking account. We offer a 0.25% discount to auto-pay from a non-Panacea checking account.