Welcome AAOS Surgeons!
Panacea Financial offers AAOS Surgeons:
– Cash back on student loan refinance and personal loans
Simply use promo code “AAOS2022” on your application to qualify for benefits and join the bank built for doctors, by doctors.
Welcome AAOS Surgeons!
Panacea can help AAOS members save thousands by:
- Discounted interest rate for Student Loan Refinance
- Cash back for PRN Personal Loans
- Discounted origination fee for any Practice Loan
Simply use promo code “AAOS2022” on your application to qualify for benefits and join the bank built for doctors, by doctors.
Simply use promo code “AAOS2022” on your application to qualify for benefits and join the bank built for doctors, by doctors.
Welcome AAOS Surgeons!
Panacea can help AAOS members save thousands by:
- Discounted interest rate for Student Loan Refinance
- Cash back for PRN Personal Loans
- Discounted origination fee for any Practice Loan
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.
5.0 out of 5.0 stars | 300+ reviews
5.0 out of 5.0 stars | 300+ reviews
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.
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.
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.
PRN Personal Loans
Fair and affordable personal loans up to $75,000 with fixed rates, funded in as little as 24 hours.
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 “AAOS2021” on the application to get $100 cash back‡ when you refinance your student loans with Panacea.
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.
Association members receive a 50% discount in loan origination and administration fees
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 3.25% APY – 13x the national average!2
- 100% Free Checking with unlimited ATM use nationwide.
- No monthly fees. No overdraft fees. FDIC insured.
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 3.25% APY 2– Over 13x the national average!3
- 100% Free Checking with unlimited ATM use nationwide.
- No monthly fees. No overdraft fees. FDIC Insured.
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.
Panacea Practice Solutions
Lending and banking services for your practice needs.
The Panacea Healthcare 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
Articles and Resources
Specialty selected articles, just for AAOS Members.
- November 10, 2020
- December 10, 2020
- March 9, 2021
- November 10, 2020
- October 21, 2022
Articles and Resources
Specialty selected articles, just for AAOS Members.
- November 10, 2020
- December 10, 2020
- March 9, 2021
- November 10, 2020
- October 21, 2022
Panacea Community
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Panacea Team
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Panacea Products
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 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.
