AAOS
Member Benefits
Panacea can help AAOS members save thousands. Simply use promo code AAOS2023 on your application to qualify for benefits and join the bank built for doctors, by doctors.
AAOS Member Benefits
Panacea can help AAOS members save thousands.
Simply use promo code AAOS2023 on your application to qualify for benefits and join the bank built for doctors, by doctors.
0.125%
DISCOUNT
On Interest Rate For
Panacea Student
Loan Refinance
$100
CASH BACK
On PRN
Personal Loans
50%
DISCOUNT
On Practice Loan
Origination &
Admin Fees
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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.
Student Loan Refinance For Physicians
Transparent
Rates
No
Maximums
Cosigners
In-House
Servicing
Refinancing designed specifically for the expensive debt accrued during medical school. Four rates to choose from that do not change — no bait and switch, no wasted time on a pre-application to find your rate.
- Transparent Rates
- No Maximums
- No Cosigners
- In-House Servicing
Transparent
Rates
Cosigners
No
Maximums
In-House
Servicing
PRN Personal Loans
Funding In As
Little As 24 Hours
No
Cosigner
No Prepayment
Penalties
100%
Digital
Fair and affordable personal loans up to $50,000 with low, transparent, fixed rates quick to use as needed.
Enter promo code on the application to get a rate discount when you take out a PRN Personal Loan.
- Funding In As Little As 24 Hours
- No Cosigner
- No Prepayment Penalties
- 100% Digital
Funding In As
Little As 24 Hours
No Prepayment
Penalties
No
Cosigner
100%
Digital
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.
Association members receive a discount in loan origination and administration fees.
- Partner Buy-In
- Refinance/Consolidation
- Acquisition
- Expansion/Relocation
- Equipment
- Commercial Real Estate Financing
Partner Buy-In
Refinance/Consolidation
Acquisition
Expansion/Relocation
Equipment
Commercial Real Estate
Financing
Personal Checking & High Yield Savings Accounts
Checking and savings accounts for doctors, doctors-in-training, and their immediate family! Take advantage of free checking and high-yield savings accounts without the hassle.
- High-yield savings account at 3.00% APY – 7x the national average!1
- 100% free checking with unlimited ATM use nationwide.
- No monthly fees. No overdraft fees. FDIC insured.
Rate Discount Details
- ‡ - Cash back available only on new PRN loan origination and will be deposited into a Panacea Checking Account within 60 days of loan completion.
- * - 0.125% rate discount for refinancing your student loan: Terms and conditions apply. Offer good for new student loan refinancing customers only and subject to lender approval. To receive the offer, you must: (1) register and/or apply with promocode AAOS2022, (2) complete a loan application with Panacea Financial within 30 days of your application submit date, (3) and meet Panacea Financial underwriting criteria. Once conditions are met and the loan the interest rate shown in the Final Disclosure Statement will include an additional 0.125% rate discount because of your involvement with a Panacea Financial partner company at the time of loan origination. Offer good for new customers only. Cannot be combined with other rate discounts, with the exception of the 0.50% AutoPay rate discount. Panacea Financial reserves the right to change or terminate the Rate Discount Program to unenrolled participants at any time with or without notice.
- Cash back, student loan refinance rate discount incentive and discounted origination costs on commercial loans are offered to AAOS members. Offer cannot be combined with any other offers, except any discount for making automatic payments. Offer subject to change.
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 the COVID-19 related payment pause. 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. 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.Â
2. National Average based on FDIC information as of 6/25/2023. APY = Annual Percentage Yield. The advertised APY is effective 6/25/2023 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.
