Doctors, secure your financial future with The Whole Physician and Doc2Doc.

Doc2Doc Lending conducts a soft credit pull that will not affect your credit score when you Apply for a Personal Loan. If you accept and sign your final credit agreement, we will request your full credit report, which is considered a hard credit pull and may affect your credit score.

Our Hybrid Loan option offers the most flexibility with lower payments during the first half of the loan, consisting solely of interest. In the latter half of the loan, the payment increases and comprises principal and interest. This option is only for in-training doctors.

Our Standard Loan option offers equal monthly payments for the entire loan comprised of principal and interest.

Apply for the maximum amount you would like to borrow and plan for the unexpected. You can always pay your loan back early with no prepayment penalties.

Some expenses to consider are the costs associated with moving including a moving truck, boxes, movers, security deposits often 2-3 months of rent, utility deposits, and incidental expenses.

Consider the timing of your first paycheck. Your first payment may be due on your loan before you receive your paycheck.

Your first payment is due 30-45 days after you receive your funds.

Funds are disbursed on average within 7 business days of your loan being verified and a final credit agreement has been signed.

You will receive a detailed email that specifically outlines which documents you need to upload for verification. Documents may include match letters, employment contracts, pay stubs, and/or taxes. You can always email our team at verifications@doc2doclending.com if you have any questions.

As a Financial Institution we are legally required to verify an applicant’s identity. We use third party tools to help us meet this requirement.

As soon as we receive your requested verification documents, the process begins and takes 1-2 business days.

There is a 0-2% origination fee. The fee is deducted from the requested loan amount. The lowest rate is reserved for the most creditworthy borrowers.

Doc2Doc does not work with partners or brokers that charge additional fees outside our origination fee.

No, Doc2Doc underwrites just the applicant.

We disburse funds into a personal savings or checking account. We do not disburse funds into business accounts. The funds will be disbursed via ACH.

Yes, current members whose loans are in good standing may qualify to borrow additional funds after making two on-time consecutive payments. The combined loan amounts cannot exceed the maximum personal loan amount.

Current members whose loans are in good standing can apply to refinance their loan after making two on-time consecutive payments. You would submit a new application for the amount you’d like to refinance.

Yes, the personal loan will report to the credit bureaus as an installment debt.

In Training and Practicing Physicians

• 4th-year medical and podiatric and students who have successfully matched into a paid residency program.
• U.S. citizen, permanent resident, or temporary resident holding a valid 0-1 or H-1B visa.
• Earned an MD, DO, DPM or MBBS degree.
• U.S. mailing address except for residents of CT, ME and WV where we do not offer loans.

In Training and Practicing Dentists

• Dental students who have successfully matched into a paid residency program.
• U.S. citizen, permanent resident, or temporary resident holding a valid 0-1 or H-1B visa.
• U.S. mailing address except for residents of CT, ME and WV where we do not offer loans.
• Earned a DDS or DMD degree.

Pharmacists

• Practicing in the United States.
• U.S. citizen or permanent resident.
• Earned a PharmD degree.
• U.S. mailing address except for residents of Colorado, Connecticut, Kansas, Louisiana, Maine, Montana, Nebraska, New Jersey, Pennsylvania, South Dakota, West Virginia, and Wyoming residents, where we do not currently offer loans.

Veterinarians

• Practicing in the United States.
• U.S. citizen or permanent resident.
• Earned a DVM/VMD degree.
• U.S. mailing address except for residents of Colorado, Connecticut, Kansas, Louisiana, Maine, Montana, Nebraska, New Jersey, Pennsylvania, South Dakota, West Virginia, and Wyoming residents, where we do not currently offer loans.

Optometrists

• Practicing in the United States.
• U.S. citizen or permanent resident.
• Earned an OD degree.
• U.S. mailing address except for residents of Colorado, Connecticut, Kansas, Louisiana, Maine, Montana, Nebraska, New Jersey, Pennsylvania, South Dakota, West Virginia, and Wyoming residents, where we do not currently offer loans.

No, unfortunately we do not lend to applicants with J1 visa at this time.

If you’re having trouble submitting your application, you may need to clear your cache. You can also try applying directly at Apply Here. If possible, we suggest you attempt applying from Google Chrome on a desktop computer.

• In Practice Doctors can borrow up to $100,000.
• In Training Doctors including Fellows, Residents, and Matched 4th-year medical students can borrow up to $25,000.
• In Training Doctors transitioning to In Practice who anticipate graduating in 6 months and have an executed employment contract can borrow up to $50,000 with our Bridge Loan.

We do not negotiate rates.

Doc2Doc uses a proprietary algorithm that considers various credit related factors and specialty related metrics to determine your rate.

Our Hybrid Loan option offers the most flexibility with lower payments during the first 2.5 years of the loan, consisting solely of interest. In the latter half of the loan, the payment increases and is comprised of principal and interest. This option is only for in-training doctors.

Our Standard Loan option offers equal monthly payments for the entire loan comprised of principal and interest.

Our Bridge Loan option is for doctors who are transitioning from finishing their training to starting their careers. This loan offers 6 months of interest only payments followed by 54 months of principal and interest payments.

Automatic Recurring Payments help ensure your payments are made on time and will save you money. Not only will you avoid late fees, but you will also receive a 0.25% Interest Rate reduction on your Personal Loan, leading to savings on interest expenses. Payments are reported to the credit bureau and will help build your credit history.

Doc2Doc conducts a soft credit pull that will not affect your credit score when you apply for a personal loan. If you accept and sign your final credit agreement, we will request your full credit report, which is considered a hard credit pull and may affect your credit score.

You will receive a loan decision within 24 hours of applying. Please check your spam if you have not heard from us, as often, bank emails get flagged as spam. If the loan decision is not in your inbox, please email support@doc2doclending.com and request that a loan decision be resent.

The application takes less than five minutes to complete on a computer or mobile device. To apply, click here and follow the prompts to provide the necessary information.

The Doc2Doc Personal Loan provides all your funds at once with fixed monthly payments over a set period and a Fixed Interest Rate while most credit cards have a Variable Interest Rate tied to the Prime Rate that changes when the Federal Reserve changes rates. Credit card payments vary based on the balance on your credit card.

• Credit Card Consolidation
• Moving and Relocation
• Home Improvements
• Debt Refinancing
• Living Expenses
• Career Development
• Weddings and Engagements
• Unexpected Health Expenses
• Family Planning
• Business Expenses, Licensing Fees, Certifications and Tail coverage
• Investments

In Training and Practicing Physicians

• 4th-year medical and podiatric and students who have successfully matched into a paid residency program.
• U.S. citizen, permanent resident, or temporary resident holding a valid 0-1 or H-1B visa.
• Earned an MD, DO, DPM or MBBS degree.
• U.S. mailing address except for residents of Maine and West Virginia where we do not offer loans.

In Training and Practicing Dentists

• Dental students who have successfully matched into a paid residency program.
• U.S. citizen, permanent resident, or temporary resident holding a valid 0-1 or H-1B visa.
• Earned a DDS or DMD degree.

Pharmacists

• Practicing in the United States.
• U.S. citizen or permanent resident.
• Earned a PharmD degree.
• U.S. mailing address except for residents of Colorado, Connecticut, Kansas, Louisiana, Maine, Montana, Nebraska, New Jersey, Pennsylvania, South Dakota, West Virginia, and Wyoming residents, where we do not currently offer loans.

Veterinarians

• Practicing in the United States.
• U.S. citizen or permanent resident.
• Earned a DVM/VMD degree.
• U.S. mailing address except for residents of Colorado, Connecticut, Kansas, Louisiana, Maine, Montana, Nebraska, New Jersey, Pennsylvania, South Dakota, West Virginia, and Wyoming residents, where we do not currently offer loans.

Optometrists

• Practicing in the United States.
• U.S. citizen or permanent resident.
• Earned an OD degree.
• U.S. mailing address except for residents of Colorado, Connecticut, Kansas, Louisiana, Maine, Montana, Nebraska, New Jersey, Pennsylvania, South Dakota, West Virginia, and Wyoming residents, where we do not currently offer loans.