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.
5.0 out of 5.0 stars | 300+ reviews
5.0 out of 5.0 stars | 300+ reviews
PRN Personal Loans For Veterinarians & 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 & 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
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
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 4.00% APY – Over 12x the national average!²
- No monthly fees. No overdraft fees.
Practice Loans & 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 4.00% APY – Over 12x the national average!2
- No monthly fees. No overdraft fees. FDIC Insured.
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.
Articles & Resources
Explore our collection of advice and tools to help doctors better position themselves for career and financial success.
- December 10, 2020
- March 9, 2021
Articles & Resources
Explore our collection of advice and tools to help physicians better position themselves for career and financial success.
- December 10, 2020
- March 9, 2021
Panacea Community
Want To Know What’s Next At Panacea Financial?
Build Your Team
It takes a team of experts to navigate life as a doctor - build yours here.
Build Your Team
It takes a team of experts to navigate life as a doctor - build yours here.
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 June 30, 2023 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 origination, up to three years. Borrowers can request extended period of reduced payments if their training continues.
2. National Average based on FDIC information as of 11/21/2022. APY = Annual Percentage Yield. The advertised APY is effective 11/23/2022 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.
Doctor–In-Training Loan Refinance payment schedule examples:7 year Reduced Payment Options:
7 year (84 months) fixed rate, $250,000 at 7.00% (6.92% APR): Months 1 -12 @ $100.00 per month, Months 13-84 @ $4,535.59 per month;
7 year (84 months) fixed rate, $250,000 at 7.00% (6.75% APR): Months 1 -24 @ $100.00 per month, Months 25-84 @ $5,803.03 per month;
7 year (84 months) fixed rate, $250,000 at 7.00% (6.55% APR): Months 1 -36 @ $100.00 per month, Months 37-84 @ $7,126.22 per month;
10 year Reduced Payment Options:
10 year (120 months) fixed rate, $250,000 at 7.25% (7.17% APR): Months 1 -12 @ $100.00 per month, Months 13-120 @ $3,366.30 per month;
10 year (120 months) fixed rate, $250,000 at 7.25% (7.00% APR): Months 1 -24 @ $100.00 per month, Months 25-120 @ $3,885.22 per month;
10 year (120 months) fixed rate, $250,000 at 7.25% (6.81% APR): Months 1 -36 @ $100.00 per month, Months 37-120 @ $4,537.24 per month;
15 year Reduced Payment Options:
15 year (180 months) fixed rate, $250,000 at 7.50% (7.42% APR): Months 1 -12 @ $100.00 per month, Months 13-180 @ $2,568.18 per month;
15 year (180 months) fixed rate, $250,000 at 7.50% (7.24% APR): Months 1 -24 @ $100.00 per month, Months 25-180 @ $2,837.46 per month;
15 year (180 months) fixed rate, $250,000 at 7.50% (7.04% APR): Months 1 -36 @ $100.00 per month, Months 37-180 @ $3138.99 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.
