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

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

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.

Introducing Spinwheel's Credit Data AI Lab: Your AI Innovation Partner 
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Trusted by Leading Financial Innovators.

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    Nerdwallet logo
    Monarch logo
    Happen Bank logo
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    SavvyMoney logo
    Citizens Bank logo
    Better logo
    NASA Federal Credit Union logo
    Acrisure Mortgage logo
    Banks.com logo
    Sequence logo
    Truv logo
    Trive logo
    Pacific Debt Relief logo
  • Achieve Logo
    Beyond Logo
    PayPal Logo
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    Monarch Logo
    Happen Bank - Formerly Lending Club Logo
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    Prove Logo
    Upgrade Logo
    SavvyMoney Logo
    Citizens Logo
    Better Logo
    NASA Federal Credit Union Logo
    Acrisure Mortgage Logo
    Banks.com Logo
    Sequence Logo
    Truv Logo
    Thrive Logo
    Pacific Debt Relief
  • Achieve logo
    Beyond logo
    PayPal logo
    Nerdwallet logo
    Monarch logo
    Happen Bank logo
    Experian logo
    Forbes Advisor logo
    Prove logo
    Upgrade logo
    SavvyMoney logo
    Citizens Bank logo
    Better logo
    NASA Federal Credit Union logo
    Acrisure Mortgage logo
    Banks.com logo
    Sequence logo
    Truv logo
    Trive logo
    Pacific Debt Relief logo
  • Achieve logo
    Beyond logo
    PayPal logo
    Nerdwallet logo
    Monarch logo
    Happen Bank logo
    Experian logo
    Forbes Advisor logo
    Prove logo
    Upgrade logo
    SavvyMoney logo
    Citizens Bank logo
    Better logo
    NASA Federal Credit Union logo
    Acrisure Mortgage logo
    Banks.com logo
    Sequence logo
    Truv logo
    Trive logo
    Pacific Debt Relief logo

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

$1.3T+

$1.3T+

Consumer debt supported through the platform

13M+

13M+

Consumers authenticated

$3B+

$3B+

Payments enabled

6X

6X

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

70%+

70%+

Decrease in balance transfer times

Up to 30%+

Up to 30%+

Increase in loan origination volume

20%+

20%+

Increase in conversion rates

14%

14%

Lift in monetized leads in 2.5 weeks

50%

50%

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

Credit Profiles and Payments —
Without the Friction or Gaps.

Phone number and date of birth form connected to Spinwheel, with a verification code sent by text

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.

Spinwheel connecting to bureaus, banking cores, public records, telco carriers, loan services, card issuing platforms and payment networks
Successfully verified consumer profile next to a debt summary of $37,279 across 5 loans at a 6.75% blended interest rate

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.

Successfully verified consumer profile next to a debt summary of $37,279 across 5 loans at a 6.75% blended interest rate
Spinwheel connecting to bureaus, banking cores, public records, telco carriers, loan services, card issuing platforms and payment networks

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.

1. Segment.

Identify acquisition audiences that align with product and portfolio objectives.

2. Verify.
3. Prequal.
4. Apply.
5. Approve.
6. Disburse.
7. Manage.
8. Pay.
Circular lending lifecycle diagram with eight stages around Spinwheel: Segment, Verify, Prequal, Apply, Approve, Disburse, Manage, and Pay, with the Segment stage highlighted

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.

1. Segment.

Identify acquisition audiences that align with product and portfolio objectives.

2. Verify.
3. Prequal.
4. Apply.
5. Approve.
6. Disburse.
7. Manage.
8. Pay.
Circular lending lifecycle diagram with eight stages around Spinwheel: Segment, Verify, Prequal, Apply, Approve, Disburse, Manage, and Pay, with the Segment stage highlighted

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.

1. Segment.

Identify acquisition audiences that align with product and portfolio objectives.

2. Verify.
3. Prequal.
4. Apply.
5. Approve.
6. Disburse.
7. Manage.
8. Pay.
Circular lending lifecycle diagram with eight stages around Spinwheel: Segment, Verify, Prequal, Apply, Approve, Disburse, Manage, and Pay, with the Segment stage highlighted

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 using instant verification or a provider's own KYC process. No clunky manual authentication flows.

"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."

NerdWallet logo
Nerdwallet Logo
Mobile identity verification form and a successfully verified profile with credit score

Connect.

Spinwheel Connect links verified consumer financial and liability accounts in seconds using instant verification or a provider's own KYC process. No clunky manual authentication flows.

"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."

NerdWallet logo
Mobile identity verification form and a successfully verified profile with credit score

Profile.

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

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

Monarch logo
Monarch Logo
Verified account holder profile in a lender app with linked credit card balances and account details

Profile.

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

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

Monarch logo
Verified account holder profile in a lender app with linked credit card balances and account details

Pay.

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

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

NASA Federal Credit Union logo
NASA Federal Credit Union Logo
Approved $10,000 personal loan used to pay off selected credit cards, with a payment confirmation

Pay.

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

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

NASA Federal Credit Union logo
Approved $10,000 personal loan used to pay off selected credit cards, with a payment confirmation

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.


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.


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.


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.


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.


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.


macbook pro on black wooden table

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.

macbook pro on black wooden table

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.

macbook pro on black wooden table

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.