Solutions

Products

Resources

AI Lab

Talk to an Expert

Book a Demo

Use Case > Financial Wellness

Drive Higher Engagement with a Full Credit Picture for Consumers.

Better debt intelligence, higher engagement, and stronger retention. Spinwheel brings credit scores, liability accounts, and debts into one complete view that stays current.

Book a Demo

Talk to Sales

Use Case > Financial Wellness

Drive Higher Engagement with a Full Credit Picture for Consumers.

Better debt intelligence, higher engagement, and stronger retention. Spinwheel brings credit scores, liability accounts, and debts into one complete view that stays current.

Book a Demo

Talk to Sales

Problem

Apps and Banks Only See Part of a Consumer’s Financial Picture.

When the picture is incomplete or out of date, consumers stop engaging. A bank sees its own accounts but not the cards and loans a consumer holds elsewhere. Apps ask consumers to link each account but show only what they add — and that data goes stale between visits.

App dashboard with outdated data: the credit score is 47 days old, total debt shows only 1 of 5 accounts, and most accounts are not connected

Problem

Apps and Banks Only See Part of a Consumer’s Financial Picture.

Solution

One View of Credit Scores, Accounts, and Balances.

With consent, Spinwheel returns credit scores, accounts, balances, and creditors, including those held at other institutions. Scheduled refreshes keep the picture current between visits, with nothing more for the consumer to do. Every credit pull is a soft inquiry, so connecting doesn’t affect a consumer’s score.

App dashboard after verification: an updated credit score, total debt across all 5 accounts, debt-to-income, debt by type, and a soft inquiry that leaves the credit score unaffected

Solution

One View of Credit Scores, Accounts, and Balances.

How Auto-Fill Works.

Connect

The consumer provides a phone number and date of birth, gives consent, and confirms with a one-time text code.

App screen asking for a six-digit verification code sent to the consumer’s phone

Connect

The consumer provides a phone number and date of birth, gives consent, and confirms with a one-time text code.

The Spinwheel Difference.

A Complete Credit Picture.

Cards, loans, and balances across every major debt category appear.

See how Spinwheel gives consumers a complete view of credit.

Learn More

Improved Engagement and Retention.

A current picture gives consumers a reason to keep checking in and helps you remain relevant as financial needs evolve.

No Account-by-Account Linking.

Consumers verify once, and Spinwheel finds their credit accounts, so the picture doesn’t depend on what each consumer remembers to connect.

Visibility Beyond the Institution.

Banks and credit unions see obligations held elsewhere, which drives deeper relationships and better-timed recommendations.

The Spinwheel Difference.

A Complete Credit Picture.

Cards, loans, and balances across every major debt category appear.

See how Spinwheel gives consumers a complete view of credit.

Learn More

Improved Engagement and Retention.

A current picture gives consumers a reason to keep checking in and helps you remain relevant as financial needs evolve.

No Account-by-Account Linking.

Consumers verify once, and Spinwheel finds their credit accounts, so the picture doesn’t depend on what each consumer remembers to connect.

Visibility Beyond the Institution.

Banks and credit unions see obligations held elsewhere, which drives deeper relationships and better-timed recommendations.

The Spinwheel Difference.

A Complete Credit Picture.

Cards, loans, and balances across every major debt category appear.

See how Spinwheel gives consumers a complete view of credit.

Learn More

No Account-by-Account Linking.

Consumers verify once, and Spinwheel finds their credit accounts, so the picture doesn’t depend on what each consumer remembers to connect.

Improved Engagement and Retention.

A current picture gives consumers a reason to keep checking in and helps you remain relevant as financial needs evolve.

Visibility Beyond the Institution.

Banks and credit unions see obligations held elsewhere, which drives deeper relationships and better-timed recommendations.

Common Solutions.

Debt overview showing $187,014.36 total debt, a 724 credit score, and balances and APRs for Bank of America, Chase, Target and Rocket Mortgage

Credit Score and Account Views.

Show credit scores, accounts, and balances in one place.

Net Worth and Liability Tracking.

Banking App Wellness Features.

Current Card Balances and APRs.

Common Solutions.

Credit Score and Account Views.

Show credit scores, accounts, and balances in one place.

Net Worth and Liability Tracking.

Banking App Wellness Features.

Current Card Balances and APRs.

Common Solutions.

Credit Score and Account Views.

Show credit scores, accounts, and balances in one place.

Net Worth and Liability Tracking.

Banking App Wellness Features.

Current Card Balances and APRs.

Make Financial Wellness Possible with a Full Debt Picture.

See how a complete, current credit picture can support financial wellness and higher customer engagement.

Book a Demo

Make Financial Wellness Possible with a Full Debt Picture.

See how a complete, current credit picture can support financial wellness and higher customer engagement.

Book a Demo

Make Financial Wellness Possible with a Full Debt Picture.

See how a complete, current credit picture can support financial wellness and higher customer engagement.

Book a Demo

Products

Support

Consumer Support Center

Products

Support

Consumer Support Center

Products

Support

Consumer Support Center