Medical
Dental
Veterinary
Panacea logo
Get Started
Panacea logo

Welcome AAOS Surgeons!

Panacea Financial offers AAOS Surgeons:

  • Discounted interest rate for Panacea Student Loan Refinance
  • Cash back for PRN Personal Loans
  • Discounted origination fee for any Panacea Practice Loan

Simply use promo code AAOS2022 on your application to qualify for benefits and join the bank built for doctors, by doctors.

Open Your Account Today
This is a picture of a phone with the Panacea and AAOS logos on it.

Welcome AAOS Surgeons!

Panacea can help AAOS members save thousands by:

  • Discounted interest rate for Panacea Student Loan Refinance
  • Cash back for PRN Personal Loans
  • Discounted origination fee for any Panacea Practice Loan

Simply use promo code AAOS2022 on your application to qualify for benefits and join the bank built for doctors, by doctors.

Start Your Application
Panacea Partner - American Academy of Orthopaedic Surgeons

Simply use promo code AAOS2022 on your application to qualify for benefits and join the bank built for doctors, by doctors.

Open Your Account Today

Welcome AAOS Surgeons!​

Panacea can help AAOS members save thousands by:

  • Discounted interest rate for Panacea Student Loan Refinance
  • Cash back for PRN Personal Loans
  • Discounted origination fee for any Panacea Practice Loan
Panacea Partner - American Academy of Orthopaedic Surgeons

Learn more about Panacea Financial

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 for doctors, by doctors. We’re dedicated to making financing simpler to understand and easier to access.

Get To Know Us
Get To Know Us
Trustpilot

5.0 out of 5.0 stars | 300+ reviews

Dr. G Florida
Read More
Panacea makes it easy for Medical students/Residents/Fellows/Attending physicians obtain funding. The loan application process was straight forward and easy to understand. Their fixed interest rates and term structures are innovative and tailored to medical professionals in a way that makes their clients feel like they are truly being taken care of. Highly recommended, from one physician to another!
Dr. WLouisiana
Read More
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 TFlorida
Read More
I am a medical 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 New York
Read More
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. HRhode Island
Read More
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 Florida
Read More
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 Missouri
Read More
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. HFlorida
Read More
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. BMassachusetts
Read More
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.
Previous
Next
Trustpilot

5.0 out of 5.0 stars | 300+ reviews

Dr. G Florida
Read More
Panacea makes it easy for Medical students/Residents/Fellows/Attending physicians obtain funding. The loan application process was straight forward and easy to understand. Their fixed interest rates and term structures are innovative and tailored to medical professionals in a way that makes their clients feel like they are truly being taken care of. Highly recommended, from one physician to another!
Dr. WLouisiana
Read More
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 TFlorida
Read More
I am a medical 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 New York
Read More
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. HRhode Island
Read More
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 Florida
Read More
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 Missouri
Read More
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. HFlorida
Read More
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. BMassachusetts
Read More
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.
Previous
Next

Medical Student Loan Refinance

Refinance designed for doctors. Four rates to choose from that doesn’t vary 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
  • Primary Care Banker

Enter promo code AAOS2022 on the application to get a 0.125% rate discount* when you refinance your student loans with Panacea.

Learn more about our medical school loan refinance
Refinance Your Medical School Debt Today

Medical Student Loan Refinance

Refinance designed for doctors. 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

Enter promo code AAOS2022 on the application to get
a 0.125% rate discount* when you refinance your student loans with Panacea.

Learn more about our medical student loan refinance
Refinance Your Medical School Debt Today
PRN Personal Loan's: Up to $75,000 in as little as 24 hours

PRN Personal Loans

Fair and affordable personal loans up to $75,000 with fixed rates, funded in as little as 24 hours.

Enter promo code AAOS2022 on the application to get
$100 cash back‡ when you take out a PRN Personal Loan.

* Learn more about our PRN Personal Loan
Apply For A PRN Personal Loan Today

PRN Personal Loans

Fair and affordable personal loans up to $75,000 with fixed rates, funded in as little as 24 hours.

Enter promo code AAOS2022 on the application to get $100 cash back when you take out a PRN Personal Loan.

* Learn about our PRN Personal Loan
Apply For A PRN Personal Loan Today

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 50% discount in loan origination and administration fees.

Start Your Loan Application Now
Panacea's High-yield savings account is 4.00% - card icon

Checking & High-Yield Savings Accounts

Loans for doctors, checking and savings accounts for everyone. Take advantage of the free checking and high-yield savings accounts without the hassle.

  • High-yield savings account at 4.00% APY – 12x the national average!2
  • 100% free checking with unlimited ATM use nationwide
  • No monthly fees. No overdraft fees. FDIC insured.
Learn More

Checking & High-Yield Savings Accounts

Loans for doctors, checking and savings accounts for everyone. Take advantage of free checking and high-yield savings accounts without the hassle.

  • High-yield savings account at 4.00% APY 2– Over 12x the national average!3
  • 100% free checking with unlimited ATM use nationwide
  • No monthly fees. No overdraft fees. FDIC Insured.
 
Panacea's High-yield savings account is 4.00% - card icon
Learn More

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.

Start Your Loan Application Now
This is a graphic about Panacea Practice Solutions.

Panacea Practice Solutions

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 50% discount in loan origination and administration fees.

  • Practice/Surgery Center Buy-In
  • Acquisition
  • Refinance/Consolidation
  • Commercial Real Estate Financing
  • Expansion/Relocation
  • Equipment
  • Working Capital
  • Line of Credit
Learn more about our practice solutions
Start Your Loan Application Now

Articles & Resources

Specialty selected articles, just for AAOS Members.

See All Blog Posts

Articles & Resources

Specialty selected articles, just for AAOS Members.

See All Blog Posts
Panacea's network of medical providers

Panacea Community

About Us

We’re a financial services company for doctors, created by doctors. Panacea Financial understand your banking needs because we’ve been through it before.
Check Our Social Media

Panacea Team

About Us

Panacea's network of medical providers
We’re a financial services company for doctors, created by doctors. Panacea Financial understand your banking needs because we’ve been through it before.
Check Our Social Media

Explore
Panacea Products

PRN Personal Loans

Checking & Savings

Student Loan Refinance

Insurance