Who is eligible for a Plannery loan?

Plannery loans are designed for healthcare professionals and certain first responders. If you work in patient care or a clinical support role, have steady income, and live in the United States, you may qualify.

Plannery's Personal Debt Assistance Loans are designed for healthcare professionals and certain first responders. If you work in patient care or a clinical support role, chances are you qualify.

Profession

Nurses, doctors, pharmacists, paramedics, lab techs, therapists, hospital staff, and other licensed caregivers. Some non-clinical roles in healthcare may also qualify.

Employment and income

You need a steady source of income, usually through an employer that pays by direct deposit. Full-time, part-time, PRN, or per diem work is fine. Independent contractors and freelancers with regular income may also be eligible.

Residency

You must live in the United States and have a valid Social Security Number or ITIN. You must also be of legal age to enter into a binding contract in your state of residence.

We aim to be more inclusive than many lenders. We know healthcare workers often carry student debt or may have credit dings from training years. Even if your credit score isn't perfect, you may still qualify. Not all applicants will qualify, and loans are subject to approval.

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

Related questions

How do I set up payroll-linked direct deposit?
What happens to my loan if I change jobs?
What is Plannery?
How much can I save with Plannery?
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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.