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Case Study > Financial Wellness Apps
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Personal Financial Management, Financial Wellness, Banking Apps

Qapital is an award-winning app designed to let its customers save, invest, and spend with any goal in mind.

Products Used

Connect to Consumer Debt with low-code APIs

Connect

Debt Syncing and Optimization

Optimize

Real-time Debt Linking APIs

Pay

Embedded Financial Solutions

Finance

Learn More Start Building >

The Problem

After surveying their customers, Qapital found that the top 2 concerns for their 2M+ customers were support with paying off their loans and improving their credit score. In order to address these concerns, Qapital was looking for a robust solution that would allow them to quickly get this started.

The Solution

Using Spinwheel’s APIs and UI drop-in modules, Qapital was able to quickly launch a two-pronged solution to address the top concerns of their users. 

Paying Off Loans: Qapital launched their Debt Wrangler offering that allows their users to:

  • Connect and see all of their loans
  • Understand which loans they should pay off first
  • Make optimized payments on a one-time or recurring basis
  • Understand their refinance options including the impact from a proposed refinance relative to their existing loans
  • Set up a new bank account for auto-debit to save .25% on interest rates

Improving Credit Score: With Spinwheel’s data, Qapital is able to offer their users personalized recommendations on how to improve their credit score. These include options such as: 

  • Scheduling payments on the most impactful debt 
  • Lowering their revolving balance by refinancing debt on high interest credit cards
  • Credit score monitoring
  • Increasing credit limits by opening new credit cards
  • Tracking and optimizing credit card utilization

We’re Better Together.

Let us help you empower borrowers to create better debt – all while reducing friction, lowering operating costs, and creating happier customers.

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Spinwheel

Transform how your business and your customers see, understand, and act on debt in as little as an afternoon with our industry-leading debt APIs or low code drop-in modules.

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Optimizing the Largest Consumer Debt Categories

Student Loans | Credit Card Debt | Personal Loans | Mortgage Loans | Auto Loans

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