How do I set up payroll-linked direct deposit?

Plannery gives you a routing and account number for your loan. You add it in your employer's payroll portal as an additional deposit account, and set the exact dollar amount per paycheck.

1. Get your deposit details

Plannery provides the routing number, account number, and bank name (FinWise Bank) tied to your loan. These are in your dashboard under Direct Deposit Instructions, or sent securely by email.

2. Log into your payroll system or contact HR

Most hospitals use portals like Workday, ADP, or PeopleSoft. If you're not sure, ask your HR or payroll office how to update your direct deposit.

3. Add a new deposit account

In your payroll portal, this option is often labeled Add an Account or Split Deposit. Enter the loan account details exactly as provided, with account type Checking and bank name FinWise Bank.

Be sure to add this as an additional deposit. Your main bank account should stay as the primary destination for the rest of your paycheck, and the Plannery loan account should be set as a secondary deposit for the exact loan payment amount.

4. Set the allocation amount

Enter the exact dollar amount per paycheck that covers your Plannery payment. For example, if your monthly payment is $400 and you're paid biweekly, set $200 from each paycheck. We recommend a dollar amount, not a percentage, for accuracy.

5. Confirm and wait one cycle

Some payroll portals update immediately, while others take one pay cycle to start. To avoid delays, set it up at least 5 to 7 business days before payday. If timing is too tight, you may need to make one manual payment before deductions begin.

6. Provide confirmation

Plannery will ask you to upload a quick screenshot from your payroll system showing the new allocation. In some cases we can confirm setup automatically.

7. Check your dashboard

Your account will show Direct Deposit: Active once we receive the first payroll payment. If we don't see a payment when expected, we'll reach out to help troubleshoot.

New to Plannery?

Plannery offers a debt consolidation loan built exclusively for healthcare professionals. On average, qualified borrowers save $7,282 in interest, or lower their monthly payment by about $141.^Ⓐ

Checking your rate takes under five minutes, costs nothing, and won't affect your credit score.

See what you qualify for

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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 13.13% to 30.61%, as of June 15, 2026, 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.

Equifax Optimal Path Disclosure^Ⓒ^‍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.

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^Ⓐ
‍Averages based on Plannery loan offers for all loans funded since May 2024-June 15, 2026, 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 $141.77 a month applies to the 57% who lowered their payment. Individual results vary.

Below Market Rates^Ⓜ
^‍Healthcare workers who qualify with Plannery get an APR about 22% lower than the market average, roughly 5.4 percentage points
Average based on Plannery quoted APRs for applicants since Q3 2025-June 2026 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.

Time to see offer^Ⓠ
^‍Based on Plannery web applications completed in a single session from April 2025 to June 2026 who reached an offer. The median time from selecting goals to viewing a loan offer was approximately 3.2 minutes, with about 78% viewing their offer within 5 minutes.

Referral Program^Ⓡ
^‍You and your referral each get a $5 e-gift card when they sign up free for the Plannery AI coach (soft credit check, no score impact; no loan required). New healthcare-worker referrals only. You earn $5 for each qualifying signup, US residents 18+, excluding Washington. Ends September 30, 2026. Full terms: Referral Program Terms.