Spinwheel

Spinwheel Credit Data API

Order and retrieve Equifax-backed debt profiles and credit reports.

Documentation GitHub OpenAPI

Work with this as data

Every API here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for apis

7 MCP tools reach this

find_apisBrowse and filter every API in the catalog.
get_api_artifactsOne API's artifacts, grouped by type.
get_openapiThe primary OpenAPI for this API.
find_similar_apisAPIs that look like this one.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools

Call it yourself

curl for this page

This API

curl "https://apis.io/api/v1/apis/spinwheel-credit-data-api"

All apis

curl "https://apis.io/api/v1/apis?limit=25"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no email required.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.

OpenAPI Specification

openapi: 3.0.1
info:
  title: Spinwheel Embedded Debt Solutions Bank Accounts Credit Data API
  description: Spinwheel's embedded credit and debt API. Connect a consumer, pull an Equifax-backed debt profile, refresh real-time liability balances and payoff quotes across credit cards and loans, originate bank-account-funded payments, and subscribe to webhook events. Most resources are scoped to a connected user identified by userId, the unique key used for accessing most Spinwheel APIs. Authentication uses a Spinwheel secret API key issued from the developer portal; the exact header scheme is gated behind the developer login and is not reconciled here - it is modeled as an HTTP bearer secret key.
  termsOfService: https://spinwheel.io/terms
  contact:
    name: Spinwheel Support
    url: https://docs.spinwheel.io
  version: '1.0'
servers:
- url: https://api.spinwheel.io
  description: Production
- url: https://sandbox-api.spinwheel.io
  description: Sandbox
- url: https://secure-api.spinwheel.io
  description: Production (secure)
- url: https://secure-sandbox-api.spinwheel.io
  description: Sandbox (secure)
security:
- bearerAuth: []
tags:
- name: Credit Data
  description: Order and retrieve Equifax-backed debt profiles and credit reports.
paths:
  /v1/users/{userId}/debt-profile:
    post:
      operationId: requestDebtProfile
      tags:
      - Credit Data
      summary: Request a debt profile
      parameters:
      - $ref: '#/components/parameters/UserId'
      responses:
        '200':
          description: Debt profile requested.
  /v1/users/{userId}/creditProfile/equifax:
    post:
      operationId: orderEquifaxReport
      tags:
      - Credit Data
      summary: Get a debt profile (Equifax)
      description: Orders an Equifax credit report for a connected user.
      parameters:
      - $ref: '#/components/parameters/UserId'
      responses:
        '200':
          description: Equifax debt profile ordered.
components:
  parameters:
    UserId:
      name: userId
      in: path
      required: true
      description: The unique key used for accessing most Spinwheel APIs.
      schema:
        type: string
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: Spinwheel secret API key issued from the developer portal (https://developer.spinwheel.io). The exact transport header is gated behind the developer login and not reconciled here.