Archive - The Free Toaster

E041 - Tim Li, CEO of LendAPI: In-Store BNPL, Indirect Auto Lending & Building Through Content

Tim Li, CEO of LendAPI, joins Carlos live in the DC studio for a wide-ranging conversation on how LendAPI is quietly becoming the infrastructure layer…

Mar 14 • Carlos Caro

57:05

News Pod #10 - Dave's Q4 2025 Earnings Report

Carlos and Nick discuss Dave's record-breaking Q4 2025 Earnings Report.

Mar 14 • Carlos Caro

21:45

How Dave Scaled to $163.7M in Q4 Revenue After Nearly Being 'Left for Dead'

Plus, Spinwheel becomes a CRA, Robinhood's "Actual" Platinum Card, and much more...

Mar 11

News Pod #9 - NerdWallet's Q4 2025 Earnings Report

Carlos and Nick try to make sense of NerdWallet's recent earnings report.

Mar 7 • Carlos Caro

26:09

Can NerdWallet Outrun the AI Disruption?

A 141% explosion in loan revenue masked a shrinking credit card vertical in Q4, leaving analysts wondering if the platform is investing enough in the…

Mar 4

February 2026

News Pod #8 - Apple Just Put BNPL Into 65 Million Apple Pay Wallets

Carlos and Nick discuss the implications of this week's headline story:

Feb 27 • Carlos Caro

17:10

E040 - Mr. Beast Buys Fintech App Step: A Bold Bet or a Disaster in the Making?

Our host Carlos Caro sits down with Alex Johnson (founder/author at Fintech Takes) to unpack one of the more surprising stories in consumer finance: Mr.

Feb 27 • Carlos Caro

1:16:45

Apple Just Put BNPL Into 65 Million Apple Pay Wallets

With iOS 26, Apple Pay now surfaces installment options at in-store checkout, turning every transaction into a lending decision for issuers and BNPL…

Feb 25

News Pod #7 - TU's $56MM Purchase of Monevo - How's It Going?

In April 2025, Transunion completed its acquisition of Monevo (a UK-based credit prequalification platform).

Feb 21 • Carlos Caro

18:22

Cash App to Sell its Credit Score

Block is (attempting to) monetize the financial habits of 58 million monthly users, offering third-party lenders a unique view into the underbanked that…

Feb 19

E039 - Is My Application Experience Broken?

Today we walk through a list of questions to ask yourself to determine whether your application experience needs a tune up.

Feb 18 • Carlos Caro

13:42

News Pod #6 - Guest Pod w/ Prithvi Prabhu + Mr. Beast's Fintech Acquisition

This week Prithvi Prabhu drops in to help us contextualize Cash App Borrow's metrics from this Edition:

Feb 16 • Carlos Caro

22:19

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