![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 1793 293" xmlns="http://www.w3.org/2000/svg"><path d="M 51.91 0 L 51.91 204.264 C 51.91 218.309 61.99 219.836 75.42 221.668 L 75.42 232.354 L 0 232.354 L 0 221.668 C 13.74 219.836 23.82 218.309 23.82 204.264 L 23.82 32.365 L 1.53 21.678 L 1.53 15.266 L 44.28 0 Z" fill="rgb(0, 4, 26)" height="232.354px" id="Kl9gPwrAr" transform="translate(1717.49 0)" width="75.42000000000007px"/><path d="M 73.28 0 C 113.58 0 134.65 28.09 134.65 68.088 L 134.65 77.554 L 25.34 77.554 C 25.34 117.55 46.71 144.726 81.22 144.726 C 104.12 144.726 118.47 133.428 129.76 118.466 L 134.95 121.215 C 127.63 148.389 105.03 167.929 70.83 167.929 C 26.26 167.929 0 132.817 0 89.155 C 0 35.724 31.14 0 73.28 0 Z M 68.7 14.961 C 44.58 14.961 29.01 37.556 26.56 62.898 L 106.56 62.898 C 106.56 33.587 93.73 14.961 68.7 14.961 Z" fill="rgb(0, 4, 26)" height="167.9295px" id="Dh1gctGLU" transform="translate(1575.69 67.478)" width="134.95000000000005px"/><path d="M 73.28 0 C 113.58 0 134.65 28.09 134.65 68.088 L 134.65 77.554 L 25.34 77.554 C 25.34 117.55 46.71 144.726 81.22 144.726 C 104.11 144.726 118.46 133.428 129.76 118.466 L 134.95 121.215 C 127.62 148.389 105.03 167.929 70.83 167.929 C 26.26 167.929 0 132.817 0 89.155 C 0 35.724 31.14 0 73.28 0 Z M 68.7 14.961 C 44.58 14.961 29 37.556 26.56 62.898 L 106.56 62.898 C 106.56 33.587 93.73 14.961 68.7 14.961 Z" fill="rgb(0, 4, 26)" height="167.9295px" id="sTkc1lbds" transform="translate(1429.94 67.478)" width="134.95000000000005px"/><path d="M 51.9 0 L 51.9 97.399 C 66.87 82.744 84.88 67.477 110.22 67.477 C 136.79 67.477 152.97 81.828 152.97 117.551 L 152.97 204.264 C 152.97 218.309 163.04 219.836 176.78 221.668 L 176.78 232.354 L 101.37 232.354 L 101.37 221.668 C 114.8 219.836 124.88 218.309 124.88 204.264 L 124.88 119.688 C 124.88 97.705 116.02 90.072 96.48 90.072 C 80.61 90.072 63.81 97.094 51.9 106.254 L 51.9 204.264 C 51.9 218.309 61.98 219.836 75.41 221.668 L 75.41 232.354 L 0 232.354 L 0 221.668 C 13.74 219.836 23.81 218.309 23.81 204.264 L 23.81 32.365 L 1.53 21.678 L 1.53 15.266 L 44.27 0 Z" fill="rgb(0, 4, 26)" height="232.354px" id="u4ObJrh1g" transform="translate(1248.66 0)" width="176.77999999999997px"/><path d="M 168.84 119.994 L 201.21 29.922 C 202.43 26.258 203.04 24.121 203.04 21.678 C 203.04 14.35 197.24 12.824 181.67 10.687 L 181.67 0 L 239.07 0 L 239.07 10.687 C 225.33 15.572 223.8 16.182 221.36 22.9 L 168.23 164.877 L 160.6 164.877 L 120.3 57.096 L 79.38 164.877 L 72.06 164.877 L 17.4 22.9 C 14.96 16.182 13.43 15.266 0 10.687 L 0 0 L 69 0 L 69 10.687 C 53.74 12.824 47.63 14.35 47.63 21.678 C 47.63 24.121 48.55 27.48 49.77 30.838 L 82.13 119.383 L 112.36 37.555 L 107.17 22.9 C 104.73 16.182 102.89 15.266 89.15 10.687 L 89.15 0 L 157.24 0 L 157.24 10.687 C 141.36 12.824 135.56 14.35 135.56 21.678 C 135.56 24.121 136.48 27.48 137.7 30.838 Z" fill="rgb(0, 4, 26)" height="164.8768px" id="BakTvJk8x" transform="translate(1013.56 70.533)" width="239.07000000000016px"/><path d="M 124.879 136.786 L 124.879 52.21 C 124.879 30.227 116.025 22.594 96.484 22.594 C 80.607 22.594 63.203 29.617 51.601 38.776 L 51.601 136.786 C 51.601 150.832 61.371 152.358 75.111 154.191 L 75.111 164.876 L 0 164.876 L 0 154.191 C 13.435 152.358 23.511 150.832 23.511 136.786 L 23.511 32.365 L 1.527 21.678 L 1.527 15.266 L 43.968 0 L 51.601 0 L 51.601 29.922 C 66.562 15.266 84.881 0 110.224 0 C 136.787 0 152.969 14.35 152.969 50.074 L 152.969 136.786 C 152.969 150.832 163.048 152.358 176.788 154.191 L 176.788 164.876 L 101.369 164.876 L 101.369 154.191 C 114.803 152.358 124.879 150.832 124.879 136.786 Z" fill="rgb(0, 4, 26)" height="164.8765px" id="KLM9nuer9" transform="translate(846.002 67.478)" width="176.788px"/><path d="M 36.333 40.914 C 25.342 40.914 16.487 31.754 16.487 20.457 C 16.487 9.16 25.342 0 36.333 0 C 47.325 0 56.18 9.16 56.18 20.457 C 56.18 31.754 47.325 40.914 36.333 40.914 Z M 51.6 62.592 L 51.6 199.379 C 51.6 213.424 61.37 214.951 75.11 216.783 L 75.11 227.469 L 0 227.469 L 0 216.783 C 13.434 214.951 23.51 213.424 23.51 199.379 L 23.51 94.957 L 1.526 84.27 L 1.526 77.858 L 43.967 62.592 Z" fill="rgb(0, 4, 26)" height="227.46875000000003px" id="wc5drELYV" transform="translate(763.165 4.885)" width="75.11000000000001px"/><path d="M 51.905 151.137 L 51.905 196.937 C 51.905 210.981 61.981 212.507 75.721 214.339 L 75.721 225.026 L 0 225.026 L 0 214.339 C 13.739 212.507 23.815 210.981 23.815 196.937 L 23.815 32.365 L 1.526 21.678 L 1.526 15.266 L 44.577 0 L 51.905 0 L 51.905 26.564 C 64.729 10.381 81.522 0 104.116 0 C 145.641 0 167.319 34.197 167.319 76.332 C 167.319 132.817 132.206 167.929 91.903 167.929 C 72.973 167.929 58.622 160.907 51.905 151.137 Z M 91.292 153.885 C 119.688 153.885 139.229 128.542 139.229 89.155 C 139.229 54.654 125.794 20.457 91.598 20.457 C 76.637 20.457 61.065 25.648 51.905 35.418 L 51.905 111.445 C 51.905 139.535 67.477 153.885 91.292 153.885 Z" fill="rgb(0, 4, 26)" height="225.0265px" id="hvXNnfhq3" transform="translate(586.583 67.478)" width="167.31900000000007px"/><path d="M 68.698 220.446 C 39.997 220.446 15.571 210.676 2.137 199.379 L 0 149.305 L 10.686 149.305 C 19.846 181.364 38.471 205.18 69.614 205.18 C 98.315 205.18 115.719 191.135 115.719 166.098 C 115.719 145.03 101.979 135.26 65.034 121.52 C 24.426 106.559 2.442 91.903 2.442 57.402 C 2.442 25.037 26.563 0 69.309 0 C 94.04 0 116.329 8.244 132.817 19.236 L 132.817 65.951 L 122.741 65.951 C 115.719 36.334 97.399 15.266 67.782 15.266 C 42.135 15.266 29.006 29.922 29.006 49.463 C 29.006 70.225 39.387 79.69 77.247 93.735 C 122.13 110.223 143.503 126.1 143.503 159.991 C 143.503 199.073 109.307 220.446 68.698 220.446 Z" fill="rgb(0, 4, 26)" height="220.446px" id="LeoVvyEWA" transform="translate(437.081 14.96)" width="143.50299999999993px"/><path d="M 285.399 142.7 C 285.399 221.511 221.51 285.4 142.7 285.4 C 63.889 285.4 0 221.512 0 142.701 C 0 63.89 63.889 0 142.7 0 C 144.941 0 147.17 0.053 149.386 0.155 C 90.503 20.747 48.267 76.791 48.267 142.7 L 48.274 143.921 C 48.928 195.512 90.953 237.133 142.699 237.133 C 194.853 237.133 237.132 194.854 237.132 142.7 C 237.132 105.427 215.539 73.207 184.189 57.849 C 189.074 56.989 194.102 56.54 199.238 56.54 C 219.055 56.54 237.299 63.225 251.854 74.465 C 272.265 90.229 285.399 114.93 285.399 142.7 Z" fill="rgb(0, 4, 26)" height="285.39957000000004px" id="KzUAEFh67" transform="translate(0 3.169)" width="285.399px"/><path d="M 237.132 142.7 C 237.132 112.259 222.723 85.181 200.371 67.919 C 184.419 55.599 164.409 48.268 142.699 48.268 C 131.832 48.268 121.385 50.105 111.658 53.489 C 74.759 66.328 48.267 101.415 48.267 142.7 C 48.267 179.971 69.857 212.191 101.205 227.55 C 96.32 228.411 91.292 228.861 86.16 228.861 C 38.576 228.86 0.001 190.286 0 142.701 L 0.011 140.857 C 0.999 62.896 64.505 0 142.7 0 C 221.51 0 285.399 63.89 285.399 142.701 C 285.399 221.511 221.51 285.4 142.7 285.4 C 140.459 285.4 138.231 285.347 136.016 285.244 C 194.897 264.652 237.132 208.609 237.132 142.7 Z" fill="rgb(0, 4, 26)" height="285.39957000000004px" id="toapGQ6m3" transform="translate(56.539 3.169)" width="285.3991px"/></svg>)
Is the banking industry doing enough to encourage financial literacy? The average American borrower seems to be lacking the know-how to manage their debt. Spinwheel CEO Tomás Campos offers up his insight into how banks can help bring about a more confident, financially-minded way for borrowers to have a better debt experience. Read the article.
The Latest from Our Blog.
Sign up for our newsletter to stay up to date on news, developer updates, and product launches.
Why Real-Time Credit Data is the Missing Piece of Your Data Strategy
In the News
Jul 8, 2026
Why Every Stage of the Consumer Credit Lifecycle Depends on Better Data
Research & Insights
Jul 1, 2026
The Biggest Consumer Debt Story Lives Between the Data Sources
Research & Insights
Jun 26, 2026
Improving Lead Quality with Real-Time Debt Intelligence: Banks.com Sees 30-Point Increase in Qualified Leads to Approved Applications Rate for Auto Loans
Customer Stories
Jun 23, 2026
Consumers Aren't Becoming Riskier. They're Becoming Harder To Understand.
Research & Insights
Jun 18, 2026
The Architecture of American Consumer Debt
Research & Insights
Jun 15, 2026
The Latest from Our Blog.
Sign up for our newsletter to stay up to date on news, developer updates, and product launches.
Why Real-Time Credit Data is the Missing Piece of Your Data Strategy
In the News
Jul 8, 2026
Why Every Stage of the Consumer Credit Lifecycle Depends on Better Data
Research & Insights
Jul 1, 2026
The Biggest Consumer Debt Story Lives Between the Data Sources
Research & Insights
Jun 26, 2026
Improving Lead Quality with Real-Time Debt Intelligence: Banks.com Sees 30-Point Increase in Qualified Leads to Approved Applications Rate for Auto Loans
Customer Stories
Jun 23, 2026
Consumers Aren't Becoming Riskier. They're Becoming Harder To Understand.
Research & Insights
Jun 18, 2026
The Architecture of American Consumer Debt
Research & Insights
Jun 15, 2026
The Latest from Our Blog.
Sign up for our newsletter to stay up to date on news, developer updates, and product launches.
Why Real-Time Credit Data is the Missing Piece of Your Data Strategy
In the News
Jul 8, 2026
Why Every Stage of the Consumer Credit Lifecycle Depends on Better Data
Research & Insights
Jul 1, 2026
The Biggest Consumer Debt Story Lives Between the Data Sources
Research & Insights
Jun 26, 2026
Improving Lead Quality with Real-Time Debt Intelligence: Banks.com Sees 30-Point Increase in Qualified Leads to Approved Applications Rate for Auto Loans
Customer Stories
Jun 23, 2026
Consumers Aren't Becoming Riskier. They're Becoming Harder To Understand.
Research & Insights
Jun 18, 2026
The Architecture of American Consumer Debt
Research & Insights
Jun 15, 2026
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.
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.
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.
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 342 286" xmlns="http://www.w3.org/2000/svg"><path d="M 285.399 142.7 C 285.399 221.51 221.51 285.4 142.7 285.4 C 63.889 285.4 0 221.511 0 142.701 C 0 63.89 63.889 0 142.7 0 C 144.941 0 147.17 0.053 149.386 0.155 C 90.503 20.747 48.267 76.791 48.267 142.7 L 48.274 143.921 C 48.928 195.511 90.953 237.132 142.699 237.132 C 194.853 237.132 237.132 194.853 237.132 142.7 C 237.132 105.427 215.539 73.207 184.189 57.849 C 189.074 56.989 194.102 56.54 199.238 56.54 C 219.055 56.54 237.299 63.225 251.854 74.465 C 272.265 90.229 285.399 114.93 285.399 142.7 Z" fill="rgb(0, 4, 26)" height="285.4px" id="ccL2W0i9_" width="285.399px"/><path d="M 237.132 142.7 C 237.132 112.259 222.723 85.181 200.371 67.919 C 184.419 55.599 164.409 48.268 142.699 48.268 C 131.832 48.268 121.385 50.105 111.658 53.489 C 74.759 66.328 48.267 101.415 48.267 142.7 C 48.267 179.971 69.857 212.191 101.205 227.55 C 96.32 228.41 91.292 228.86 86.16 228.86 C 38.576 228.86 0.001 190.285 0 142.701 L 0.011 140.857 C 0.999 62.896 64.505 0 142.7 0 C 221.51 0 285.399 63.89 285.399 142.701 C 285.399 221.511 221.51 285.4 142.7 285.4 C 140.459 285.4 138.231 285.346 136.016 285.244 C 194.897 264.652 237.132 208.608 237.132 142.7 Z" fill="rgb(0, 4, 26)" height="285.4px" id="jBpX3TwPH" transform="translate(56.539 0)" width="285.3991px"/></svg>)
