Panacea can help LocumTenens.com members save thousands. Simply use promo code LocumTenens2023 on your application to qualify for benefits and join the bank built for doctors, by doctors.
LocumTenens.com Member Benefits
Panacea can help LocumTenens.com physicians save thousands.
Simply use promo code LocumTenens2023 on your application to qualify for benefits and join the bank built for doctors, by doctors.
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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
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
PRN Personal Loans
Funding In As
Little As 24 Hours
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
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.
- Partner Buy-In
- Commercial Real Estate Financing
Commercial Real Estate
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 4.50% APY – 10x the national average!1
- 100% free checking with unlimited ATM use nationwide.
- No monthly fees. No overdraft fees. FDIC insured.
Rate Discount Details
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 10/5/2023. APY = Annual Percentage Yield. The advertised APY is effective 10/6/2023 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.