PLAN TODAY.
HAVE THE MONEY
WHEN YOU NEED IT.
Borrow Anytime. You’re Pre-Approved Today for 5 Future Planned Loans Totaling Up to $160,000*
PlannedLender™ uses your household budget and controlled spending through MiddleBanking™ 1.0 to pre-approve your Planned Loans today — before you need the money. Your approval is based on affordability, not your credit score.
These are examples only. Your real pre-approved Planned Loan amounts are calculated from your household budget in the Eye-Opener.
PRE-APPROVED TODAY
Your household budget establishes your Planned Loan schedule before you need the money.
Later scheduled amounts are reduced by Planned Loan proceeds already funded. An off-schedule loan starts a new planning cycle.
Tell us what you want. Tell us when you want it.
We use your household numbers to pre-approve your Planned Loans today and set when each becomes available.
Choose the goal
Tell us what you are planning for and how much you expect it to cost.
Show us your budget
We look at your real household expenses instead of relying on your credit score.
See your pre-approved loans
Your budget produces five pre-approved Planned Loan amounts with set future availability dates.
Use MiddleBanking™
Your household bills and spending are organized inside a controlled financial environment.
Access it on schedule
Your loans are pre-approved today. Each amount becomes available when its planned date arrives.
Everything gets more affordable when you have time to plan.
Most borrowing begins after the need becomes urgent. PlannedLender starts earlier. You decide what you want, when you want it, and your household numbers show what your plan can support.
Stop asking, “Can I afford it today?”
Start asking, “When do I want to afford it?”
The longer you continue MiddleBanking™ before taking proceeds, the more room your future pre-approved Planned Loan amounts can have to grow.
If you do not need the money yet, leave it untouched and keep building toward the larger goal.
Available does not mean you have to take it.
PlannedLender is built around the idea that the best time to arrange future borrowing is before the need becomes urgent.
Borrow when the goal arrives — not simply when money becomes available.
Your Eye-Opener shows the amounts your own household may be able to plan for. If you do not need the proceeds yet, keep planning. When you are ready, your dashboard will show what is available and what comes next.
Simple household requirements.
PlannedLender is built for working households and retirees with steady income, real household expenses and an active banking relationship.
No minimum credit score is used to determine pre-approved Planned Loan amounts.
Your credit score should not decide whether your household can plan ahead.
PlannedLender was created to help start a new lending conversation: approve people based on what they can afford and control — not simply a credit score.
Your household budget, recurring expenses, income profile and controlled spending through MiddleBanking™ 1.0 are what determine your pre-approved Planned Loan amounts.
If you meet the PlannedLender participation requirements, approval is driven by your affordability profile and household plan rather than a minimum credit score.
Your Planned Lending relationship is designed around continued MiddleBanking™ participation and program responsibility rather than adding another ordinary fixed-payment loan to your monthly budget.
Big goals become smaller problems when you plan for them.
Choose the goal first. Then let your household numbers show you what's possible.
Receive proceeds. Keep MiddleBanking. Build toward what's next.
Once Residual Loan Proceeds™ are delivered, continued MiddleBanking™ participation can reduce your remaining payment responsibility under the program while your dashboard keeps your next opportunity in view.
Watch your dashboard instead.
Your PlannedLender dashboard is designed to keep the whole relationship visible: what is available now, what is coming next, your current responsibility and how your future capacity is developing.
If life changes, Sabbatical gives participating households a structured way to pause MiddleBanking and return when ready.
Your next goal is getting closer.
A renaissance in lending starts with one simple idea:
Affordability should matter more than a credit score. PlannedLender was created to prove that households can be evaluated by the income they earn, the expenses they manage and the spending they control — not only by a number built from the past.
A different way to think about future borrowing.
Is PlannedLender a no-credit-check loan program?
PlannedLender does not use your credit score to determine your pre-approved Planned Loan amounts. Capacity is based on household financial information and continued controlled spending through MiddleBanking™ 1.0, subject to program terms.
What if my credit score is below 650?
A score below 650 does not automatically disqualify you. PlannedLender is designed to approve based on your household affordability profile and participation requirements rather than a minimum credit score.
What if I already have good credit?
PlannedLender can still be useful because the program is designed around planned affordability and continued MiddleBanking™ participation rather than simply adding another traditional fixed-payment obligation to your monthly budget.
What determines how much I can plan for?
Your household budget, recurring expenses, income profile, time horizon and continued MiddleBanking™ participation determine the outlook shown by the PlannedLender Eye-Opener.
What happens if I don't take the available proceeds?
You do not have to take proceeds simply because they become available. Leaving them untouched while continuing MiddleBanking™ may increase the amount your household can plan for later.
What is controlled spending?
Controlled spending means your household expenses are organized and managed through MiddleBanking™ 1.0. This gives PlannedLender a structured financial environment in which to evaluate your planned borrowing capacity.
What if I lose my job?
MiddleBanking™ includes a Sabbatical feature for participating households. Program rules determine how available proceeds, active responsibilities and future goals are handled during a Sabbatical.
Tell us when you need the money. We'll show you what your household can plan for.
See your personalized Planned Lending outlook from 90 days through 100 months.
See My Pre-Approved Planned Loans →Takes only a few minutes to explore your household outlook.
Amount Disclosure: The $160,000 figure is an illustrative Planned Loan total based on approximately $4,000 in monthly household expenses. Your actual pre-approved Planned Loan amounts are calculated from your monthly household expenses. Households with higher monthly expenses may receive higher pre-approved Planned Loan totals. Previously funded Planned Loans reduce amounts available at later scheduled dates.