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The best debt API solution in the world

Our powerful debt API gives you all the tools you need to improve user engagement, acquisition, and ultimately, revenue.

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Your keys to a powerful debt management solution

Data

Get user-permissioned full financial picture into liabilities with stable connectivity.

Intelligence

Give borrowers the power to make smart debt decisions with intelligence that improves financial outcomes.

Payments

Make smart automated payments instantly to any liability providers directly with value-added options.

Refinance

Help borrowers save time and money with fast, hyper-personalized, and smart refinancing right in your app.

Account Management

Automate and simplify debt management by making real-time changes and updates on the user’s behalf.

Data

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 securely connect to the user’s account providing comprehensive data and stable connections that don’t break. Using our APIs will improve your user experiences, reduce your development times, and help your bottom line.

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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, and disappointed end users. Optimize the way you offer and manage payments via our direct connections to lending platforms. Whether it’s immediate and precise payoffs, early or extra payments, roundups, or using loyalty points to chip away at debt, we have you covered. Use our patent-pending PrecisionPay to increase user engagement, retention, and revenue with optimized and automated payments.

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Intelligence

Take the smart approach to debt with our intelligence and impact APIs. Get AI powered insights for a specific type of debt and optimization across all debt types your users have. Retain users with better outcomes when they know which loan to pay first, when to refinance, and how to optimize to avoid extra costs. Engage users with perfectly timed products and opportunities that help them the most.

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Refinance

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

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Account Management

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.

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