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. Start Your Application 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. Start Your Application 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 4.9 out of 5.0 stars | 500+ reviews 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. Dr. GFlorida Read More Panacea makes it easy for medical students/residents/fellows/attending physicians to obtain funding. The loan application process was straightforward 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. Dr. GMissouri 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. Customer H Read More I opened a high yield savings account and a checking account. I'm not a doctor or medical student but these accounts are available to everyone. I'm amazed by the account features and benefits. Unlike any other online bank I've found, you're actually given a personal banker to be your primary contact. That's simply amazing. 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. J Read More Excellent service. I feel like those of us in the medical field are not well catered to by most financial services. This is especially true early on in our careers. Thankfully Panacea understands and makes it easy. I hope to continue to go to them as I progress in my career. Dr. J Read More Working with Panacea has been an amazing experience! The application process was transparent, quick, and very easy. Panacea is a financial institution that truly knows the unique financial situation of new residents and offers amazing products to help consolidate debt at great interest rates to allow us to get back on the financial track. I highly recommend Panacea! Customer T Read More When another lender was unable to come through on financing a dental clinic acquisition managed by our business brokerage firm, we called Panacea Financial and asked if they could provide the buyer with financing and help us get the deal closed by the end of the month (within a couple of weeks). Brandon, Stephanie and Shannon and the other members of their team at Panacea Financial worked diligently to get financing approved in record time so that we could close as scheduled. Their efforts were and are very much appreciated! Dr. B Read More I have tried multiple other loan refinance companies in an attempt to consolidate and/or refinance my student loans. They always seemed to find a reason to decline my application. When I found Panacea, I had doubts initially. They quickly dissipated after working with my primary care banker. I am so glad I made the decision to go with this group. I am looking forward to having just one monthly payment with one (lower) interest rate. Previous Next As seen on 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. Get To Know Us Student Loan Refinance For Physicians TransparentRates NoMaximums No Cosigners In-HouseServicing 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 RatesNo MaximumsNo CosignersIn-House Servicing Refinance Your Medical School Debt Today TransparentRates No Cosigners NoMaximums In-HouseServicing PRN Personal Loans Funding In AsLittle As 24 Hours NoCosigner No PrepaymentPenalties 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 HoursNo CosignerNo Prepayment Penalties100% Digital Apply For A PRN Personal Loan Today Funding In AsLittle As 24 Hours No PrepaymentPenalties NoCosigner 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-InRefinance/ConsolidationAcquisitionExpansion/RelocationEquipmentCommercial Real Estate Financing Start Your Loan Application Now 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!1100% free checking with unlimited ATM use nationwide.No monthly fees. No overdraft fees. FDIC insured. Learn More 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. Disclosures / Fine Print 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. 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.