Debt APIs That Make it Easy to Understand, Pay & Finance Consumer Loans

All Loan Types With One Integration

Our developer-first APIs offer the most comprehensive and integrated capabilities – improving financial outcomes for you and your customers.

Debt APIs Products
Comprehensive Data + Insights
Precision Payments
Embedded + Personalized Refi
Real-Time Debt Payoff
Balance Transfers
Balance Transfers
Account Switching

Comprehensive Data + Insights

Get complete, real-time loan and borrower data along with AI-powered insights to help you instantly verify, understand, and engage your customers. Our debt APIs support all major loan types via stable connections that don’t break or disconnect. From straightforward loans to complex student loans, we have you covered. Using our APIs will improve your user experiences, reduce your development times, increase usage, and help you and your customers’ bottom line.

Comprehensive Data Insights

Precision Payments

Simplify complex debt payments from any source of funds with our precise payment APIs. Without Spinwheel, making debt payments is complicated and results in sending checks, extra costs, failed transactions, and disappointed end-users. Optimize payments to any outstanding debt via our robust connections to all debt types. Our debt repayment APIs support immediate and precise payoffs, early or extra payments, split payments, ad hoc or recurring transactions, balance transfers, roundups, and using loyalty points to chip away at debt. Use our patent-pending PrecisionPay to increase user engagement, retention, and revenue with optimized and automated payments.

Precision Payments

Embedded + Personalized Refi

Save users thousands of dollars and put that money to work for them. We’ve created the most effective and streamlined refinance solution available. Unlike marketplaces that overwhelm users, our hyper-personalized and contextual refi reduces friction and improves outcomes – right from your app. Use our APIs & drop-in modules to better understand your user’s needs, and present them with curated refinance options and personalized projections.

Embedded Personalized Refi

Real-Time Debt Payoff

Our direct-disbursement Debt Pay-Off technology is designed to make debt payoff more efficient and effective. You’ll be able to distribute funds to specific destinations including student loans, credit cards, auto, or any other liabilities in just one click. This reduces delinquency and default risk by 10-50%.

Real Time Debt Payoff
Balance Transfers

Balance Transfers

Our One-Click Balance Transfer technology reduces the number of steps needed by both parties to implement a balance transfer. We initiate the transfer using the specified source of fund, handle all of the settlement and reconciliation, and ensure that all transfers are validated. Paying the funds directly reduces the risk by at least 10%. This also makes it easier for the customer to convert during the loan process.

Learn More >

Balance Transfers
Account Switching

Account Switching

Delight users and drive results with APIs that actually do the work for you and your users. If you’re looking to create the autopilot for debt management or simply transfer a balance with the click of a button – we make it happen. Users can now update and manage their debt accounts directly within your solution – streamlined and embedded in your experience. Updates, settings, and most actions are now processed and reflected in real time across one or more lenders.

Account Switching

Contact Us

Schedule a Demo Today