Connecting shifts to financial progress

Turn your shifts and your pay into real progress on your money goals. Built around how you actually work and get paid.
What's Your Financial Goal?Continue with hStream ID

Plannery is an employee benefit at

Idaho Gastroenterology

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You work hard caring for others. Now it’s time to take care of your finances.

Plannery helps you connect your work and pay to your money goals, with guidance built for healthcare professionals.
Private and secure.

How Plannery Works

See where you stand
Get a clear picture of your finances based on your real life in real time.
Get your personalized plan
Clear next steps built around your goals, whether that is building savings, improving credit, or paying down debt.
Take action in one place
From paying down debt to improving your credit score, you can act on your plan right here, not just read about it.

Designed for healthcare professionals.

Debt consolidation. Lower-interest options to pay down high-interest debt.
Learn more
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Consolidate expensive debt
Save an average of $7,175 in interest*
For qualified healthcare professionals, Plannery charges on average 23% less than other lenders
Direct pay to creditors
Plannery pays off your high interest and personal loan directly to debtors.
Pay from your paycheck
Enroll in direct deposit to simplify loan payments.
Save an average of $7,182 in interest*
Student loan help. Clear steps for government programs you may qualify for.
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Student loan help
Free personalized advice
See which government programs you could qualify for to reduce monthly payments and get loan forgiveness.
Step‑by‑step guidance
Clear instructions simplify a complex process, helping workers stay proactive instead of overwhelmed.
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Credit-building tips. Personalized actions to help improve your score.
Learn more
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Credit building tips
Credit insights
Personalized insights on what is impacting credit score.
Personalized action plan
Personalized steps guide them toward improving their score.
Progress tracking 

Track progress towards your goal and see credit score improve over time.
WHERE AVAILABLE
ShiftIQ. Track how your extra shifts speed up your progress.
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WHERE AVAILABLE
ShiftIQ
Shifts become progress
ShiftIQ connects every shift to a financial goal, so each shift becomes real progress not just hours worked
Worth picking up
When an extra shift visibly moves a payoff date or a savings goal closer, choosing to pick up an open shift becomes an easy yes
Momentum that holds
Effort tied to visible progress keeps clinicians engaged with their goals and shows up for the organization as stronger shift coverage and retention.
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COMING SOON
Fee-free checking, early pay, high-yield savings, and a credit card designed for your work and lifestyle.
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COMING SOON
Designed for real work and lifestyle
Fee-free checking
Get a Plannery checking account without any fees and a branded debit card that flaunts your healthcare credentials
Early pay
Paychecks arrive up to two days early, offering flexibility that can prevent absenteeism or turnover caused by financial pressure.
High-yield savings

A connected savings account with high‑yield returns builds long‑term security, encouraging financial confidence.
Credit card
Access to responsible credit tools supports healthier financial habits and reduces the reliance on high‑interest debt.
Learn more

Customers

Plannery

The process was super easy. Setup was simple
"I feel way less stressed about the interest | was going to have;
¡to pay. Plannery helped me find; a lower rate, and that made a big difference."
Julie F, RN
Monthly payments dropped from

$1,500 to $300
“Not only has it helped me pay off my debt and save money, but it makes everything simple with one easy payment — no stress, no hassle.”
Brittany, RN
l actually bring home more money out of every paycheck
"Plannery made it so easy to pay off my bills and not worry about them. And the best part
is how simple it is. You just set it and forget it."
Aizel, Nurse Supervisor

Secure, accurate, and trustworthy.

Plannery is provided through your employer via HealthStream.
Your employer or HealthStream never sees your individual financial information. Connecting your accounts is what lets Plannery give you accurate, personalized guidance. Your data is kept private and secure.

Make progress today.

What's Your Financial Goal?Continue with hStream ID
Need Help? Contact us Here
© Plannery. All Rights Reserved
Terms of 
Service
Fraud Prevention
Privacy 
Policy
eSign Agreement
Plannery DDA Acount DisclosureⒹ
Banking services associated with our services are provided by FinWise Bank, Member FDIC. Your transactions will be processed through an FBO account held by FinWise Bank for the benefit of our customers. We will provide you a monthly summary statement that describes your transactions. Your deposit balances held at FinWise Bank are insured by the Federal Deposit Insurance Corporation (FDIC) for up to the legal limit (currently $250,000 for each category of legal ownership). FinWise Bank supports the program in accordance with applicable law.

‍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 amonth applies to the 57% who lowered their payment.

Individual results vary.Below Marketing 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.
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WHERE AVAILABLE
Personal debt consolidation
Save an average of $$7,175 in interest cost*
Save an average of $7,175 in interest, and get out of debt about 53 months sooner. Most cards charge around 24% APR. Plannery members average 18.7%
Save an average of $$7,175 in interest cost*
Save an average of $7,175 in interest, and get out of debt about 53 months sooner. Most cards charge around 24% APR. Plannery members average 18.7%
Save an average of $$7,175 in interest cost*
Direct pay to your creditors
Plannery pays your high-interest cards and loans directly, so it becomes one simple payment.
Save an average of $$7,175 in interest cost*
Pay from your paycheck
Repay automatically from payroll, so you never miss a payment.
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WHERE AVAILABLE
Personal debt guidance
Save an average of $8000 in interest cost*
Save an average of $8000 in interest cost*
You could qualify for interest rates that are up to half of what other lenders charge.*
Save an average of $8000 in interest cost*
Save an average of $8000 in interest cost*
You could qualify for interest rates that are up to half of what other lenders charge.*
Save an average of $8000 in interest cost*
Direct pay to debtors
Plannery pays off your high interest and personal loan directly to creditors.
Save an average of $8000 in interest cost*
Direct deposit from payroll

Enroll in direct deposit to simplify loan payments.