What information do I need to apply?

Basic identification, your employment details, and your debts. You do not need all of it just to check your options, and most people finish the whole application in under 15 minutes.

Applying is straightforward. You'll provide some basic details up front, and we'll guide you step by step.

Personal identification

Full name, date of birth, permanent address (no PO Boxes), phone, email, and your Social Security Number or ITIN. The USA PATRIOT Act requires us to verify this information for all applicants.

Employment details

Your employer's name, your role, and how long you've worked there. We may also ask for your work email or employee ID. If you have more than one job or source of income, you can share those too.

Income proof

In many cases we can verify income automatically. If not, we may ask for recent pay stubs or an offer letter.

Debt information

With your permission, we review your credit report to see what debts you have, how much you owe, and who your creditors are. This helps us create a personalized plan for you.

Bank account connection

You'll securely link your account using Plaid so we can confirm deposits and build your loan offer. If you choose not to use Plaid, alternative verification such as uploading bank statements may be available.

Professional credentials

Sometimes we'll ask for a copy of your professional license or certification.

You don't need all of this just to check your options. Before final approval, we'll verify identity, income, and debts.

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.