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Verified, Actionable Credit Data for Every Stage of the Consumer Credit Lifecycle.

Access real-time consumer credit data and embedded payments for better financial and lending experiences — with just a phone number and date of birth.

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Developer Solutions

Introducing Spinwheel's Credit Data AI Lab: Your AI Innovation Partner

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Trusted by Leading Financial Innovators.

Proven Scale Across Lenders, PFMs, Marketplaces, and Debt Management Companies.

$1.3T+

Consumer debt supported through the platform

13M+

Consumers authenticated

$22M

Payments processed

6X

Increase in the number of credit cards and personal loans shown per application

70%+

Decrease in balance transfer times

Up to 30%+

Increase in loan origination volume

20%+

Increase in conversion rates

14%

Lift in monetized leads in 2.5 weeks

50%

Lower costs with more accurate credit card and liability data — and precision disbursement data.

View Customer Stories

Credit Profiles and Payments —
Without the Friction or Gaps.

No More Friction for Consumers.

Manual entry and multiple logins kill conversion. Spinwheel connects to debt data from several sources with minimal input, creating experiences your consumers will actually complete.

No More Blind Credit Decisions.

Incomplete or outdated credit data leads to bad calls and unnecessary risk. Spinwheel delivers a real-time, verified view of consumer liabilities so teams can decide with confidence.

No More Clunky Workflows.

Building debt payments or balance transfers in-house is slow and costly. Spinwheel turns complex debt operations into simple API calls that you can ship fast.

Powering the Full Consumer Credit Lifecycle.

From acquisition to underwriting to repayment, your business needs a partner that can support your needs across the full consumer credit lifecycle. Spinwheel powers real-time credit data, verified credit profiles, and embedded payments for every stage.

Segment.

Know who to reach before the first touchpoint.

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Segment.

Know who to reach before the first touchpoint.

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Segment.

Know who to reach before the first touchpoint.

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Verify.

Confirm identity and account ownership before critical financial decisions.

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Verify.

Confirm identity and account ownership before critical financial decisions.

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Verify.

Confirm identity and account ownership before critical financial decisions.

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Prequal.

Understand eligibility before the application begins.

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Prequal.

Understand eligibility before the application begins.

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Prequal.

Understand eligibility before the application begins.

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Apply.

Create frictionless application experiences with verified, pre-populated information.

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Apply.

Create frictionless application experiences with verified, pre-populated information.

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Apply.

Create frictionless application experiences with verified, pre-populated information.

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Approve.

Make credit decisions with a complete consumer credit profile.

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Approve.

Make credit decisions with a complete consumer credit profile.

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Approve.

Make credit decisions with a complete consumer credit profile.

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Disburse.

Move funds to the right creditor, lender, or destination account.

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Disburse.

Move funds to the right creditor, lender, or destination account.

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Disburse.

Move funds to the right creditor, lender, or destination account.

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Manage.

Monitor change and identify new opportunities over time.

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Manage.

Monitor change and identify new opportunities over time.

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Manage.

Monitor change and identify new opportunities over time.

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Pay.

Help consumers act on opportunities to repay, consolidate, and reduce debt.

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Pay.

Help consumers act on opportunities to repay, consolidate, and reduce debt.

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Pay.

Help consumers act on opportunities to repay, consolidate, and reduce debt.

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Spinwheel Solutions

Your API Platform for Real-time Credit Data — with Just a Phone Number and Date of Birth.

Connect.

Spinwheel Connect links verified consumer financial and liability accounts in seconds. No clunky manual authentication flows.

Explore Connect

"Within 2.5 weeks of launch, the Spinwheel-enabled flow drove a 14% lift in monetized leads vs. business as usual control. We keep expanding Spinwheel across more and more funnels, because it works."

Connect.

Spinwheel Connect links verified consumer financial and liability accounts in seconds. No clunky manual authentication flows.

Explore Connect

"Within 2.5 weeks of launch, the Spinwheel-enabled flow drove a 14% lift in monetized leads vs. business as usual control. We keep expanding Spinwheel across more and more funnels, because it works."

Profile.

Spinwheel Profile provides verified debt and credit data using only a phone number and date of birth.

Explore Profile

Monarch users seamlessly sync and manage tradelines and debt accounts without logins. Real-time debt details give consumers better control over their finances.

Profile.

Spinwheel Profile provides verified debt and credit data using only a phone number and date of birth.

Explore Profile

Monarch users seamlessly sync and manage tradelines and debt accounts without logins. Real-time debt details give consumers better control over their finances.

Pay.

Spinwheel Pay sends instant, verified payments to any financial institution or servicer.

Explore Pay

“Partnering with Spinwheel didn’t just modernize our balance transfer process; it reinforced our commitment to member-first innovation, operational excellence, and scalable growth.”

Pay.

Spinwheel Pay sends instant, verified payments to any financial institution or servicer.

Explore Pay

“Partnering with Spinwheel didn’t just modernize our balance transfer process; it reinforced our commitment to member-first innovation, operational excellence, and scalable growth.”

Data You Can Trust

Purpose-Built for Consumer Credit.

Most financial infrastructure is built for payments, banking, or identity. Spinwheel is designed specifically for consumer credit.

As a Consumer Reporting Agency (CRA), Spinwheel supports the compliance, governance, and infrastructure required for modern consumer credit experiences.

With consumer-permissioned credit data, Spinwheel gives organizations a complete picture of a consumer's liabilities — debts, balances, borrowing costs, and account relationships.

We power the intelligence behind better decisions and better financial products.

Explore the Consumer Support Center

The Credit Data AI Lab

Agentic by Design. Innovative by Default.

The next generation of financial products won't simply help consumers understand their financial lives. They'll help them take action.

AI innovation in financial services requires something different — higher stakes, higher standards, and no room for mistakes. That’s why Spinwheel created the Credit Data AI Lab.

Spinwheel has already built proven agentic solutions for the credit ecosystem. The Credit Data AI Lab enables financial innovators and partners to tap into our tools and expertise to experiment, build, and deploy agentic AI solutions using permissioned credit data in a trusted environment.

Explore the Credit Data AI Lab

Data You Can Trust

Purpose-Built for Consumer Credit.

Most financial infrastructure is built for payments, banking, or identity. Spinwheel is designed specifically for consumer credit.

As a Consumer Reporting Agency (CRA), Spinwheel supports the compliance, governance, and infrastructure required for modern consumer credit experiences.

With consumer-permissioned credit data, Spinwheel gives organizations a complete picture of a consumer's liabilities — debts, balances, borrowing costs, and account relationships.

We power the intelligence behind better decisions and better financial products.

Consumer Support Center

The Credit Data AI Lab

Agentic by Design. Innovative by Default.

The next generation of financial products won't simply help consumers understand their financial lives. They'll help them take action.

AI innovation in financial services requires something different — higher stakes, higher standards, and no room for mistakes. That’s why Spinwheel created the Credit Data AI Lab.

Explore the Credit Data AI Lab

Data You Can Trust

Purpose-Built for Consumer Credit.

Most financial infrastructure is built for payments, banking, or identity. Spinwheel is designed specifically for consumer credit.

As a Consumer Reporting Agency (CRA), Spinwheel supports the compliance, governance, and infrastructure required for modern consumer credit experiences.

With consumer-permissioned credit data, Spinwheel gives organizations a complete picture of a consumer's liabilities — debts, balances, borrowing costs, and account relationships.

We power the intelligence behind better decisions and better financial products.

Explore the Consumer Support Center

The Credit Data AI Lab

Agentic by Design. Innovative by Default.

The next generation of financial products won't simply help consumers understand their financial lives. They'll help them take action.

AI innovation in financial services requires something different — higher stakes, higher standards, and no room for mistakes. That’s why Spinwheel created the Credit Data AI Lab.

Explore the Credit Data AI Lab

Ready to Build the Future of Consumer Credit?

From acquisition to servicing to repayment, Spinwheel provides the infrastructure behind modern consumer credit. Find out what Spinwheel can do for your business.

Book a Demo

Developer Portal

Ready to Build the Future of Consumer Credit?

From acquisition to servicing to repayment, Spinwheel provides the infrastructure behind modern consumer credit. Find out what Spinwheel can do for your business.

Book a Demo

Developer Portal

Ready to Build the Future of Consumer Credit?

From acquisition to servicing to repayment, Spinwheel provides the infrastructure behind modern consumer credit. Find out what Spinwheel can do for your business.

Book a Demo

Developer Portal

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