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The best debt APIs for

We’ve developed debt APIs to authenticate with student loan and credit card providers to get real-time data, process payments, and give intelligent financial debt management advice.

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Goodbye complexity and incomplete data.
Hello rich data and automation.

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Start building with our debt APIs for free Need help? Contact us here

Better debt is good for business

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Direct real-time in-depth data from providers

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Actionable data is now automated into real actions

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Increase customer LTV with refinance and more

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Get a full financial debt picture and make it actionable. Need help? Contact us here

Improve debt repayment with borrowers, starting with credit card debt and student loan debt

Connect directly to over 99% of student loan providers

Transparency on loan repayments with shortened lead time

Real-time data on all student loans in one place

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80%+ coverage with credit card providers

Full account data, including balance transfer and interest rate

Pay credit card providers directly

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Coming soon!

We're spinning our wheels to bring you more value fast.

Soon, you'll have in-depth data, ability to refinance, and automated payments for auto loans.

Send us your email to stay in the know about future launch dates.

Auto Loan
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Coming soon!

We're spinning our wheels to bring you more value fast.

Soon, you'll have in-depth data, ability to refinance, and automated payments for auto loans.

Send us your email to stay in the know about future launch dates.

Mortgage Loans
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Most powerful and developer friendly API

Our no-code drop-in module gets you up and running fast.

See Developer Portal
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Seamless user experience

Our whitelabel drop-in modules allow you to create custom branding in an intuitive wireframe.

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Develop the future of debt management

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Data

Get user-permissioned full financial picture into liabilities with stable connectivity.

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Intelligence

Give borrowers the power to make smart debt decisions with intelligence that improves financial outcomes.

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Payments

Make smart automated payments instantly to any liability providers directly with value-added options.

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Refinance

Help borrowers save time and money with fast, hyper-personalized, and smart refinancing right in your app.

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Account Management

Automate and simplify debt management by making real-time changes and updates on the user’s behalf.

Attract millions of users. Connect to trillions of debt.

Our APIs & modules make it easy to integrate with multiple complex lending platforms – connecting millions of Americans and trillions of debt to any app or service.

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Their unique approach of combining intelligence on top of data and payments simplifies something that is often extremely convoluted for both consumers and companies. Charley Ma, Former Head of Fintech Sales / Growth Plaid
If you're with a bank, fintech or other organization and want an API to let your users connect, pay and manage student debt in your app, you should talk to Spinwheel. Anil D. Aggarwal, CEO, Fintech Meetup. Former CEO of Money20/20 and TxVia (acquired by Google)
Spinwheel's platform is making it easy for any company to create innovative products and services that engage consumers and improve financial outcomes. Jonathan Stein, Founder and Chairman of the Board of Betterment