Loans:

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APPA/NARI LOAN PROGRAM
Since 1959, the American Professional Practice Association™ and the National Association of Residents and Interns™ have sponsored over half a billion dollars in loans to medical professionals. Mortgages, credit card bills, car payments, office rent, taxes, and debt consolidation - for these things and more you need funds. The APPA/NARI Loan Program can help. Once approved, you can be offered up to $75,000 with only your signature as collateral. Use funds to consolidate your high interest obligations!

Association Member Service Center
Hillsboro Executive Center North
350 Fairway Drive Suite 200
Deerfield Beach Florida 33441-1834
Toll Free: 1-800-221-2168

membership@assnservices.com

How much can you apply for?

Low Interest Rates - Interest - Only Payments
Now is the time to apply. Low Interest Rates are available with no prepayment penalties. You can select a fixed or
variable rate. Interest - only payments may be available for up to the first 48 months of any loan and may be renewed
through your second year in practice.

Applying is easy!
The program was designed specifically to meet the particular needs of professionals like you. Just take a few minutes
to complete the application below. Simply send the application by mail in the postage paid envelope provided or fax it
to (954) 571-8582 for our immediate attention. It’s that easy!

Fixed and Variable Interest Rates
Low rates are available with no prepayment penalties. Our fixed rates are as low as 8.95% APR and our variable rates
are as low as 7.25% APR*. Our variable rate changes only when the Prime rate changes.

Interest-only Payments
If you are a doctor-in-training, interest-only payments may be available for up to the first 48 months of your loan, and
you may be able to apply to renew this option through your second year in practice.**
* APRs are determined by creditworthiness and other factors, so your APR may differ. Fixed rates range from 8.95%
to 13.95% APR for doctors in practice and from 10.45% to 15.95% APR for doctors in training. Variable rates range
from 7.25% to 12.25% APR for doctors in practice and from 8.75% to 14.25% APR for doctors in training. For variable
rates, the APR is based on SunTrust Bank Prime Rate plus a margin and is subject to increase or decrease during
the loan term. Prime Rate as of 12/15/09 is 3.25% APR. Term limitations apply. Subject to standard credit approval. If
you are self-employed, on commission, or a substantial portion of your income is from a source other than salary, you
may need to provide us a copy of your last two years' Federal tax returns. Exclusions and limitations apply. Rates
and/or Program subject to change without notice.

** If you are a physician-in-training, interest-only payments may be available for up to the first 48 months of your loan
if you qualify. You may be able to apply to renew this option through your second year in practice. Renewal contingent
upon physician still being in training or first year in practice. Repayment terms up to 10 years may be available,
consisting of 4 years of interest-only payments, followed by 6 years of principal and interest payments. For example,
on a $5,000, 10-year term, your 48 monthly interest-only payments would vary from $43.92 to $48.62. These would
be followed by 72 monthly installments of $96.35. Your APR would be 11.45%. Term limitations apply. Subject to
standard credit approval. If you are self-employed, on commission, or a substantial portion of your income is from a
source other than your salary, you may need to provide us with a copy of your last two years' federal tax returns.
Exclusions and limitations apply. Rate and/or program subject to change without notice.

If you are a pharmacist, dentist, or doctor-in-practice, interest-only payments may be available for up to the first 12
months of your loan or through your second year in practice if you qualify. Repayment terms up to 8 years may be
available, consisting of 2 years of interest-only payments, followed by 6 years of principal and interest payments. For
example, on a $5,000, 8-year term, your 24 monthly interest-only payments would vary from $38.16 to $42.25. These
would be followed by 72 monthly installments of $92.54. Your APR would be 9.95%. Term limitations apply. Subject
to standard credit approval. If you are self-employed, on commission, or a substantial portion of your income is from
a source other than salary, you may need to provide us a copy of your last two years' federal tax returns. Exclusions
and limitations apply. Rates and/or program subject to change without notice.

Need more information?
Call (800) 221-2168 extension 5 for more information. Specialists are available to offer assistance weekdays 9am to
5pm (EST). Calling after hours? Simply leave us a voice mail message and we will return your call on the next
business day.

You may also inquire via email to the following email address; membership@assnservices.com.

We look forward to being of service.

Download Application PDF