FDIC-Insured – Backed by the full faith and credit of the U.S. Government
Join The Financial Platform
Built For Veterinarians
As an AAHA member, you deserve more than a generic bank. Panacea Financial was built by doctors who understand the reality of your career — the student debt, unpredictable hours, and dream of owning your own practice.
Join the hundreds of veterinarians who spend less time stressing about money and more time focused on their patients, their families, and their well-being.
FOR DOCTORS,
BY DOCTORS
7000+
DOCTORS TRUST PANACEA
$1B+
IN DOCTOR
LOANS FUNDED
40+
NATIONAL AND STATE ASSOCIATION PARTNERS
One Platform For Every Stage Of Your Career
Panacea connects everyday banking, doctor-specific personal loans, and practice financing — all in one place.
From veterinary school through retirement, join the financial platform that understands your career and can help you save for your next big purchase, relocate for residency, or open your first practice.
Bring Your Practice Dreams To Life
Starting, buying, or growing a veterinary practice is one of the most significant financial moves you’ll make. The Panacea Practice Solutions team is ready to support you with credit structures built for veterinarians, competitive pricing, and experienced advisors.
We don’t just approve your loan. We help you build something that lasts.
Banking Built For The Way Doctors Live
Open checking and high-yield savings accounts in minutes and start managing your money on doctors’ hours, not bankers’ hours. Built for doctors with unpredictable schedules, connected to the rest of your financial life.
Get Up To $50K When You Need It Most4
Whether relocating for residency, financing a home or car repair, or dealing with an unexpected expense, PRN Personal Loans give you quick access to up to $50,000.4 Borrow what you need when you need it most, with no cosigner required,5 no prepayment penalties, and reduced payments while in training.6
Protect Your High-Balance Deposits
The more you save, the more you have to protect. The FDIC covers up to $250,000 per depositor, per insured bank, but balances beyond that can be left exposed.
Panacea’s free high-balance deposit program closes that gap, keeping your personal and business deposits fully protected, no matter the amount. 1
Disclosures
- If you choose both the savings and demand options, you will need to have a separate transaction account for each. Deposits are sent to demand deposit accounts using the demand option and to money market deposit accounts using the savings option. The standard FDIC insurance maximum is $250,000 per insured capacity, per bank.
- APY = Annual Percentage Yield. The advertised APY is effective 1/27/2026 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.
- National Average based on FDIC information as of 1/27/2026.
- APR = Annual Percentage Rate. All personal loans have an origination fee equal to 1% of the loan amount. To obtain a new loan with Panacea Financial, you must also have a Panacea checking account; there is no fee to open the account, a minimum deposit of $25 required, and there is no minimum balance. Other fees and charges may apply, see this link for full terms and conditions. The minimum APR is 8.49% (with all discounts) and the maximum APR is 17.850% (with no discounts). The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. We offer a 0.50% discount with auto-pay from a Panacea checking account and a 0.25% discount with auto-pay from a non-Panacea checking account. To check the rates and terms you qualify for, click “Get Started” and Panacea will conduct a soft credit pull to determine your possible rate and will not affect your credit score. Not all applicants qualify for the lowest rate or maximum loan amount; subject to credit approval. Total borrower maximum varies by stage of career and with credit score: In School maximum is between $1,000 – $10,000; In Training maximum is between $1,000 – $20,000; In Practice maximum is between $1,000 – $50,000. PRN Loans have no prepayment penalty or prepayment fee and may be repaid at any time after loan closing. The minimum repayment period is immediately after closing. The minimum and maximum term varies by employment status. In Practice and In Training PRN Personal Loans have repayment periods of 3, 5, or 7 years. In School PRN Personal Loans have repayment periods of 5 or 7 years. Example scenario of PRN In Training 5-year term loan: 14.176% fixed APR, $20,000 loan. APR includes origination fee. Repayment is interest only monthly payments varying from $215.87 to $239.00 in years 1-3, fixed monthly payments of $965.22 in years 4 -5 (11 payments year 5), and one final fixed payment of $965.29. Total finance charges: $11,615.15. Panacea utilizes the Equifax credit bureau, with a FICO score minimum of 661 to qualify for a personal loan.
- No cosigner is required for qualified applicants. Panacea uses co-signer and co-borrower interchangeably in its marketing materials. For the purposes of our consumer lending, an approved co-applicant would be added to the loan as a co-borrower. Applicants may choose to apply with a co-borrower. Adding a qualified co-borrower may improve the likelihood of approval, increase the loan amount you may qualify for, or help you obtain a lower interest rate.
- In-School Loans: For a 5-year term, you make reduced payments in years 1, 2, and 3 of the interest accrued in the first year, added to the monthly interest. Full amortization years 4 and 5. For a 7-year term, you make reduced payments in years 1, 2, and 3 of the interest accrued in the first year, added to the monthly interest. Full amortization over years 4, 5, 6, and 7. In-Training Loans: For a 3-year term, you make interest-only payments in years 1 and 2. Full amortization in year 3. For a 5-year term, you make interest-only payments in years 1, 2, and 3. Full amortization in years 4, and 5. For a 7-year term, you make interest-only payments in years 1, 2, 3, and 4. Full amortization in years 5, 6, and 7. In- Practice Loans: Interest-only payments during first 6 months of loan. Full amortization over remainder of loan.