Personal Loans

We are not a huge fan of debt, having eliminated all but our revolving (and always paid on time and in full) credit card debt by age 40.

We tend to think of debt as a necessary evil for most Americans, although for most purchases, it’s not necessary, and it’s really not evil, either. An investor can be compensated for some risk by investing in debt instruments, and the debtor can have things and reach goals more quickly with the use of debt. If you are going to get a personal loan, please use one of these recommended companies.

(We do have a referral relationship with the companies listed on this page; if you work with them, this site may be compensated, contributing to our charitable mission.)


Panacea Financial

Panacea Financial is banking built for doctors by doctors. Because of their frustrating experiences while in medical training, they created the PRN Personal Loan — so you have access to money as you need it.

Don’t waste your time with pre-applications. You know our low fixed-rate options before you apply. Choose your term:

  • 3-yr term – 6.75% fixed APR
  • 5-yr term – 7.50% fixed APR
  • 7-yr term – 8.25% fixed APR

Click here for product disclosures.

All PRN Personal Loans come with:

  • No co-signer requirements
  • Funding in as little as 24 hours after approval

Go to to learn more. Panacea Financial is a division of Sonabank, Member FDIC.

Available in all 50 states

Visit Panacea Financial


With Figure you can get approval in minutes, with a 100% online application, and funding in as few as 2 days with fixed-rate loan terms of 3 or 5 years.  You can borrow $5-50K for emergency or unexpected purchases. (The maximum loan amount offered is dependent on your specific situation, which takes into account elements such as credit score and debt to income ratio.) Figure’s only fee (if applicable) is an industry standard origination fee ranging between 0% and 5% (dependent on state and local laws). Requires to get a loan are: minimum of 680 FICO (Model 9), debt-to-income ratio < 40% (excluding housing expenses), payment-to-income ratio < 20%, minimum free cash flow of $1000 for 3 year term and $1500 for 5 year term, and a valid U.S. issued ID. 

Fixed Rates: 5.99% – 15% (autopay discount of 0.25%)

Available in all 50 states + DC

Visit Figure

Doc 2 Doc

Doc2Doc is a personal lending platform founded by doctors, for doctors, providing loans to practitioners at all stages of your career.  They understand the financial challenges brought on by the pursuit of medical training and practice as they have personally lived through them.  As a result, they believe that doctors should have fast access to funds at a price that recognizes the financial reality of the physician lifecycle — giving you credit for the financial success in your future, rather than penalizing you for the financial challenges of the past.  Visit today and complete their online application in less than 5 minutes!

Go through our link to Doc2Doc and receive 45 days until first payment is due and $100 cash.

Fixed Rates: 5.99% – 14.99% (autopay discount of 0.25%)

Available in all 50 states

Visit Doc2Doc


SoFi offers an easy process with a simple online application and access to live customer support 7 days a week. Borrow up to $100,000 at fixed rates with no application or origination fees, no prepayment penalties, and no late or overdraft fees. SoFi member benefits include an unemployment protection program providing qualifying customers who lose a job with career services and a temporary pause on payments.  *personal loan disclaimer.

Fixed Rate: 5.74% – 20.28% APR (with AutoPay)

Available in all states but VT & MS
Visit SoFi