Plannery Disclosures

Plannery Loan Disclosures

Last Revised: January 28, 2025‍

Plannery Lending Disclosure
Time and Money saved calculations for individual customer
Customer Testimonials
Average time and money saved with Plannery loan
Below market rates claim
Plannery as an employee benefit

Plannery Lending Disclosure:
Not all applicants will qualify. Loans are subject to approval and verification of credit and employment information. Rates and terms are subject to change without notice. Loan amounts range from $1,050 to $21,000, with repayment terms from 12 to 60 months. Annual Percentage Rates (APRs) range from 12% to 31%, based on creditworthiness and other factors. State minimum lending laws may apply. Loan minimums vary by state. Applications are for loans offered, made by, decisioned and owned by FinWise Bank, a Utah chartered bank.

Time and Money Saved for individual customer:
Estimated savings are based on a comparison of customers existing obligations and assumes acceptance of their Plannery loan offer, along with consistent, on-time payments. Savings are not guaranteed and may vary based on individual repayment behavior.

Customer Testimonials:
Testimonials are provided by real customers. No compensation or incentives were given in exchange for their feedback.

Average time and money saved with Plannery:
On average, employees who consolidate with Plannery save $7,175 in interest and get out of debt 4.4 years faster than paying minimum payments each month
Averages based on Plannery loan offers for all loans funded since May 2024, calculated against each borrower's existing debts paid at minimum payments. Faster payoff and lower monthly payment are alternative outcomes; the average payment reduction of $145 a month applies to the 57% who lowered their payment. Individual results vary.

Below Marketing Rates:
Healthcare workers who qualify with Plannery get an APR about 23% lower than the market average, roughly 5.4 percentage points
Average based on Plannery quoted APRs for applicants since Q3 2025 who received an offer, compared with LendingTree average all-offer APRs by credit tier (Q4 2025 marketplace data). APR includes interest and fees. Savings depend on credit profile and terms. Not all applicants qualify

Plannery as an employee benefit:
Plannery is an optional program, not a recommendation from your employer. Your employer gets no financial benefit from employees applying for or being approved for Plannery.

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Testimonials are provided by real customers. No compensation or incentives were given in exchange for their feedback.

The credit score shown is your Equifax VantageScore® 3.0, provided solely by Equifax. It is not a score from any other credit bureau and may differ from scores used by lenders. Any projected score changes or recommendations are based on Equifax modeling. Actual results may vary, as your credit score is influenced by many factors that can change over time. This feature is intended to serve as a guidance tool only, not a guarantee or final determination of your credit standing.

Savings estimate based on analysis of closed Plannery loans originated via the Nursegrid app. We compared the APR, term, and payment of customers’ existing debt (from credit bureau and lender data) to their new Plannery loan. ‘Over $8,000 in interest savings’ and ‘80 months shorter’ reflect average reductions across funded customers. When applicable, comparisons to personal loan alternatives use industry APRs by credit tier from Q1 2025 LendingTree data. Individual results may vary.

Based on Q1 2025 LendingTree data for personal loans by credit band. Comparison reflects Plannery’s lowest offered APR by credit tiers versus average APRs on LendingTree’s platform for similar tiers. Actual rates vary by applicant profile and are not guaranteed.

PLANNERY PERSONAL LOAN DISCLOSURES:
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For employees at a partner employer:
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Plannery is an optional program, not a recommendation from your employer. Your employer gets no financial benefit from employees applying for or being approved for Plannery.

For all prospective users of Plannery's lending product:

Not all applicants will qualify. Loans are subject to approval and verification of credit and employment information. Rates and terms are subject to change without notice. Loan amounts range from $1,000 to $20,000, with repayment terms from 12 to 60 months. Annual Percentage Rates (APRs) range from 12% to 31%, based on creditworthiness and other factors. State minimum lending laws may apply. Loan minimums vary by state.

Plannery is not a bank. Plannery is a financial technology company. Loans subject to approval and standard underwriting criteria. Applications are for loans offered, made by, decisioned and owned by FinWise Bank, a Utah chartered bank. Terms and conditions are subject to change without prior disclosure or notice.