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SET UP YOUR COACH

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

Plannery builds your financial profile and guides you with recommendations on how you could accelerate your path to achieving your goals

How Plannery Works

See where you stand
Get a clear picture of your finances based on your real life in real time.
Get personalized guidance
Personalized, guidance that helps you focus on what you could do to accelerate your goals - whether that’s building savings, improving credit, or paying down debt.
Turn guidance into action
Whether its paying down debt or improving your credit score, we help turn guidance into instant action.

Designed for healthcare professionals.

Debt guidance.
‍Pay down credit card debt a below market rate loanⒶ from Plannery.
Learn more
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Personal debt guidance
Save an average of $7,175 in interestⒶ
You could qualify for interest rates that are up to 22% below what other lenders charge.
Direct pay to debtors
Plannery pays off your high interest and personal loan directly to creditors.
Direct deposit from payroll
Enroll in direct deposit to simplify loan payments.
Student loan help. See how you could pay down your debt faster.
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Student loan help
Personalized advice
Understand your student loan payments and if you should pay off faster.
See how you could pay off faster
If you have credit card and qualify for Plannery loan, you could allocate potential savings to pay down student debt faster.
Learn more
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
Shift momentum
Employees feel rewarded as they see every extra shift accelerate their financial goals.
Translate extra shifts into progress
Tracking how extra hours translate into tangible outcomes boosts engagement and accountability.
Rewards mindset
When effort connects directly to progress, filling shifts becomes a positive and motivating choice, not a burden.
Learn more
COMING 2027/28
Fee-free checking, early pay, high-yield savings, and a credit card designed for your work and lifestyle.
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COMING in 2027/28
Designed for real work and lifestyle
Fee-free checking
Streamlined, fee‑free banking helps employees manage cash flow predictably, reducing money stress between paychecks.
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
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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.

Customers

Plannery.

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
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
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

Secure, accurate, and trustworthy.

Plannery is provided through your employer via HealthStream. Connecting your
financial information is what lets our AI give you accurate, trustworthy insights—
always private, always secure.

Make progress today.

Set up your coach
Need Help? Contact us Here
© Plannery. All Rights Reserved
Terms of 
Service
Fraud Prevention
Privacy 
Policy
eSign Agreement
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.
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.