The Free Toaster

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Insights and interviews at the intersection of consumer lending, marketing, and technology. Hosted by Carlos Caro, co-founder at The Free Toaster and Managing Partner at New Market Growth, a growth agency for consumer lenders.

  1. 3일 전

    News Pod #31 - NerdWallet's Q2 '26 Earnings Report

    Carlos & Nick add color to the most recent article on The Free Toaster Newsletter. https://www.thefreetoaster.com/p/nerdwallets-q2-26-earnings   They discuss NerdWallet's pivot towards insurance and the top 5 takeaways for card & personal loan marketers. ***** Are you an affiliate marketing leader at a consumer lender or publisher!? If so, we have an event for you! The Affiliate Marketing Summit For Lenders & Publishers Sponsored by Experian, Engine by Gen, Prism Data, Tare.io, EXL, and ICS San Francisco - September 23rd & 24th The Exploratorium 150-person, curated room 88 seats are now spoken for. 62 seats left! Learn more and request an invitation: events.thefreetoaster.com   *****   Sign Up For Our Newsletter The Free Toaster Newsletter ships every Wednesday at www.thefreetoaster.com, curating the biggest stories at the intersection of consumer lending, marketing, and technology. ****** Please Support Our Sponsors!   Spinwheel: Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo! https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=aug   Fintel Connect Drive thousands of new accounts and billions in deposits with the only partner marketing solution built for fintech and banking – your all-in-one affiliate platform, partner network, agency, and marketing compliance engine. https://partner.fintelconnect.com/get-to-know-fintel-connect?utm_campaign=13897733-2025%20Partners&utm_source=The%20Free%20Toaster&utm_medium=podcast   Bulldog Media Group: Bulldog Media Group is a leading performance marketing company that specializes in online customer acquisition for clients in the financial services industry. Since 2000, they have focused on financial services digital marketing as their core niche.  https://www.bulldogmediagroup.com/   New Market Growth (Carlos’ agency) NMG focuses on building affiliate marketing programs for consumer lenders. www.newmarketgrowth.com

  2. 8월 7일

    News Pod #30 - The Future Of Distribution (In Lending) Seems Obvious

    Today, Carlos comments on the future of distribution in lending, how long it will take to get there, the key blockers along the way, and what CMOs can do now to prepare. This Pod covers his commentary from the most recent Newsletter: https://www.thefreetoaster.com/p/the-future-of-distribution-in-lending   ***** Are you an affiliate marketing leader at a consumer lender or publisher!? If so, we have an event for you! The Affiliate Marketing Summit For Lenders & Publishers Sponsored by Experian, Engine by Gen, Prism Data, Tare.io, EXL, and ICS San Francisco - September 23rd & 24th The Exploratorium 150-person, curated room 88 seats are now spoken for. 62 seats left! Learn more and request an invitation: events.thefreetoaster.com   *****   Sign Up For Our Newsletter The Free Toaster Newsletter ships every Wednesday at www.thefreetoaster.com, curating the biggest stories at the intersection of consumer lending, marketing, and technology. ****** Please Support Our Sponsors!   Spinwheel: Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo! https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=july   Fintel Connect Drive thousands of new accounts and billions in deposits with the only partner marketing solution built for fintech and banking – your all-in-one affiliate platform, partner network, agency, and marketing compliance engine. https://partner.fintelconnect.com/get-to-know-fintel-connect?utm_campaign=13897733-2025%20Partners&utm_source=The%20Free%20Toaster&utm_medium=podcast   Bulldog Media Group: Bulldog Media Group is a leading performance marketing company that specializes in online customer acquisition for clients in the financial services industry. Since 2000, they have focused on financial services digital marketing as their core niche.  https://www.bulldogmediagroup.com/   New Market Growth (Carlos’ agency) NMG focuses on building affiliate marketing programs for consumer lenders. www.newmarketgrowth.com

  3. 7월 31일

    News Pod #29 - 5 Things Marketers Should Draw From Capital One's Q2 Earnings Report

    Capital One recently shared their Q2 earnings. Their marketing spend was $1.7B, up 23% year over year. Today, we dive into how Capital One used that budget and the implications for marketers in lending. Carlos & Nick expand on the coverage in this week's Newsletter Edition.  https://www.thefreetoaster.com/p/5-things-marketers-should-draw-from   ***** Are you a leader at a consumer lender or publisher!? If so, we have an event for you! The Affiliate Marketing Summit For Lenders & Publishers Sponsored by Experian, Engine by Gen, Prism Data, Tare.io, and EXL San Francisco - September 23rd & 24th The Exploratorium 150-person, curated room Early bird tickets ($999) end August 1, increasing to $1499 August 2nd Learn more: events.thefreetoaster.com   *****   Sign Up For Our Newsletter The Free Toaster Newsletter ships every Wednesday at www.thefreetoaster.com, curating the biggest stories at the intersection of consumer lending, marketing, and technology. ****** Please Support Our Sponsors!   Fintel Connect   Drive thousands of new accounts and billions in deposits with the only partner marketing solution built for fintech and banking – your all-in-one affiliate platform, partner network, agency, and marketing compliance engine. https://partner.fintelconnect.com/get-to-know-fintel-connect?utm_campaign=13897733-2025%20Partners&utm_source=The%20Free%20Toaster&utm_medium=podcast   Bulldog Media Group: Bulldog Media Group is a leading performance marketing company that specializes in online customer acquisition for clients in the financial services industry. Since 2000, they have focused on financial services digital marketing as their core niche.  https://www.bulldogmediagroup.com/   Spinwheel:   Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo! https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=july   New Market Growth (Carlos’ agency) NMG focuses on building affiliate marketing programs for consumer lenders. www.newmarketgrowth.com

  4. 7월 29일

    E055 - The Affiliate Marketing Summit For Lenders & Publishers (Reposted from the LendAPI Podcast with Tim Li)

    Recently, Carlos sat on the LendAPI Podcast with Tim Li to discuss the Summit he's organizing on September 23rd in San Francisco.   ***** The Affiliate Marketing Summit For Lenders & Publishers Sponsored by Experian, Engine by Gen, Prism Data, Tare.io, and EXL San Francisco - September 23rd & 24th The Exploratorium 150-person, curated room Early bird tickets ($999) end August 1 Learn more: events.thefreetoaster.com

  5. 7월 24일

    News Pod #28 - Samsung's New Galaxy Card and Its Too-Good-To-Be-True Rewards Program

    Samsung & Barclays just shipped a co-brand card. The economics (3% on everything you buy through the Samsung Wallet) are rich. Even better than the Apple Card! Plus, our predictions on whether Claude or ChatGPT will launch credit cards!   Today, Carlos & Nick expand on the coverage in this week's Newsletter Edition. https://www.thefreetoaster.com/p/samsungs-new-galaxy-card-and-its ***** Are you a leader at a consumer lender or publisher!? If so, we have an event for you! The Affiliate Marketing Summit For Lenders & Publishers Sponsored by Experian, Engine by Gen, and Prism Data San Francisco - September 23rd & 24th The Exploratorium 150-person, curated room Early bird tickets ($999) end August 1, increasing to $1499 August 2nd Learn more: events.thefreetoaster.com   *****   Sign Up For Our Newsletter The Free Toaster Newsletter ships every Wednesday at www.thefreetoaster.com, curating the biggest stories at the intersection of consumer lending, marketing, and technology. ****** Please Support Our Sponsors   Bulldog Media Group: Bulldog Media Group is a leading performance marketing company that specializes in online customer acquisition for clients in the financial services industry. Since 2000, they have focused on financial services digital marketing as their core niche.  https://www.bulldogmediagroup.com/   Spinwheel:   Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo! https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=july   Fintel Connect   Drive thousands of new accounts and billions in deposits with the only partner marketing solution built for fintech and banking – your all-in-one affiliate platform, partner network, agency, and marketing compliance engine. https://partner.fintelconnect.com/get-to-know-fintel-connect?utm_campaign=13897733-2025%20Partners&utm_source=The%20Free%20Toaster&utm_medium=podcast   New Market Growth (Carlos’ agency) NMG focuses on building affiliate marketing programs for consumer lenders. www.newmarketgrowth.com

  6. 7월 17일

    News Pod #27 - Oportun & Column Announce New Lending Partnership (And What This Means For Oportun’s Growth)

    Carlos & Nick discuss this week’s story - “Oportun and Column Announce New Lending Partnership to Expand Access to Responsible Credit.” At first glance, not that exciting. Just a new partner bank. Then we dug into the filings and found something strange: for the past nine months, Oportun had a bank partner that wouldn’t hold a single one of its new loans. Pathward originated them, and Oportun bought back 100%. Meanwhile, a growing acquisition machine in consumer lending (referrals in Q1 2025 up 352% year over year) sat idling with nowhere to run. This is why the Column deal is more than a routine bank partner transaction. It might be the moment Oportun’s marketing team finally got the green light. Today’s Pod expands on coverage from this week’s Newsletter: https://www.thefreetoaster.com/p/oportuns-bank-partner-held-no-loans ******   Come meet Carlos & Nick in San Francisco! The Affiliate Marketing Summit For Lenders & Publishers Sponsored by Experian, Engine by Gen, and Prism Data San Francisco - September 23rd & 24th The Exploratorium 150-person, curated room Early bird tickets ($999) end August 1, increasing to $1499 August 2nd Learn more: events.thefreetoaster.com   *****   Sign Up For Our Newsletter The Free Toaster Newsletter ships every Wednesday at www.thefreetoaster.com, curating the biggest stories at the intersection of consumer lending, marketing, and technology. ****** Please Support Our Sponsors   Spinwheel:   Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo! https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=july   Fintel Connect   Drive thousands of new accounts and billions in deposits with the only partner marketing solution built for fintech and banking – your all-in-one affiliate platform, partner network, agency, and marketing compliance engine. https://partner.fintelconnect.com/get-to-know-fintel-connect?utm_campaign=13897733-2025%20Partners&utm_source=The%20Free%20Toaster&utm_medium=podcast   Bulldog Media Group: Bulldog Media Group is a leading performance marketing company that specializes in online customer acquisition for clients in the financial services industry. Since 2000, they have focused on financial services digital marketing as their core niche.  https://www.bulldogmediagroup.com/     New Market Growth (Carlos’ agency) NMG focuses on building affiliate marketing programs for consumer lenders. www.newmarketgrowth.com

  7. 7월 16일

    E054 - Paid Search 101 (For Lenders) - With Ross Cohen, Former COO (Field Productivity) at New York Life

    Search is often just 10% of a lender's marketing mix — but Ross Cohen makes the case that it's the most powerful channel for experimentation and the best "shock absorber" when direct mail or affiliates come up short.   Ross, an advisory partner at Arica Consulting with 20+ years running search across Capital One, New York Life, FrontPoint, and Greenlight, has evaluated search agencies from every angle — client, operator, founder, and agency owner. In this deep-dive with Carlos, he shares the exact questions a non-technical CMO can ask to separate the pros from the pretenders.   We cover: Why quality score and the keyword vs. search term gap drive everything The branded/unbranded commingling trap that hides massive unbranded overspend Why optimizing to CPL instead of CPA is the single most common mistakes agencies make Reading the change log, auditing Google's auto-recommendations, and the marginal vs. average CAC test How to start from scratch: build an MVP account, one landing page, a few keywords   This conversation is practical, in-the-weeds, and refreshingly honest.   Find Ross at recohen.com or on LinkedIn   ******   Come meet Carlos in San Francisco! The Affiliate Marketing Summit For Lenders & Publishers Sponsored by Experian, Engine by Gen, and Prism Data San Francisco - September 23rd & 24th The Exploratorium 150-person, curated room Early bird tickets ($999) end August 1 Learn more: events.thefreetoaster.com   *****   Sign Up For Our Newsletter   The Free Toaster Newsletter ships every Wednesday at www.thefreetoaster.com, curating the biggest stories at the intersection of consumer lending, marketing, and technology. ****** Please Support Our Sponsors   Bulldog Media Group: Bulldog Media Group is a leading performance marketing company that specializes in online customer acquisition for clients in the financial services industry. Since 2000, they have focused on financial services digital marketing as their core niche.  https://www.bulldogmediagroup.com/   Fintel Connect   Drive thousands of new accounts and billions in deposits with the only partner marketing solution built for fintech and banking – your all-in-one affiliate platform, partner network, agency, and marketing compliance engine. https://partner.fintelconnect.com/get-to-know-fintel-connect?utm_campaign=13897733-2025%20Partners&utm_source=The%20Free%20Toaster&utm_medium=podcast   Spinwheel:   Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo! https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=july      New Market Growth (Carlos’ agency) NMG focuses on building affiliate marketing programs for consumer lenders. www.newmarketgrowth.com

  8. 7월 14일

    E053 - The Marketing ROI Gap in Banking [Reposted from recent webinar hosted by Fintel Connect]

    On July 13th 2026, Carlos spoke on a panel moderated by Danielle Lauzon (Fintel Connect) with Amanda Share (Pagaya), and John Hanley (Idaho First Bank).  Big ideas Carlos discusses: 1. The dangers of blindly optimizing for CPA in affiliate channels based on executive mandate 2. Why marketing at a lending company is one of the hardest jobs out there 3. A time he saw a huge spike in lead volume that was toxic for the business 4. Why direct mail is systematically undervalued 5. The (brand marketing) lesson that took him over 2 decades to learn   ***** Fintel Connect's Danielle Lauzon hosts a panel unpacking findings from a Cornerstone Advisors survey of 126 senior bank and credit union marketing execs — most of whom struggle to connect marketing spend to measurable outcomes, yet keep funding the channels that merely look best in reporting.   Joining the conversation:   Danielle Lauzon (Fintel Connect) — moderator; works on growth and strategy for the affiliate marketing platform built for financial services. Amanda Share — VP of Affiliates at Pagaya, which expands access to credit by pairing AI underwriting with performance marketing. John Hanley — EVP & CMO of Idaho First Bank and its digital brand Peak Bank, with 20 years in financial services marketing. Carlos Caro — founder of New Market Growth and publisher of The Free Toaster Newsletter, former Credit Karma executive and Capital One analyst.   Topics covered: why CPA and cost-per-lead mislead budget decisions, the shared-leads horror story that turned a channel toxic, why lending dashboards need credit dimensions, direct mail's chronic undervaluation, and the case for fintechs investing in brand marketing.     ******   Come meet Carlos & Nick in San Francisco! The Affiliate Marketing Summit For Lenders & Publishers Sponsored by Experian, Engine by Gen, and Prism Data San Francisco - September 23rd & 24th The Exploratorium 150-person, curated room Early bird tickets ($999) end August 1 Learn more: events.thefreetoaster.com   *****   Sign Up For Our Newsletter   The Free Toaster Newsletter ships every Wednesday at www.thefreetoaster.com, curating the biggest stories at the intersection of consumer lending, marketing, and technology. ****** Please Support Our Sponsors   Fintel Connect   Drive thousands of new accounts and billions in deposits with the only partner marketing solution built for fintech and banking – your all-in-one affiliate platform, partner network, agency, and marketing compliance engine. https://partner.fintelconnect.com/get-to-know-fintel-connect?utm_campaign=13897733-2025%20Partners&utm_source=The%20Free%20Toaster&utm_medium=podcast   Spinwheel:   Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo! https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=july   Bulldog Media Group: Bulldog Media Group is a leading performance marketing company that specializes in online customer acquisition for clients in the financial services industry. Since 2000, they have focused on financial services digital marketing as their core niche.  https://www.bulldogmediagroup.com/     New Market Growth (Carlos’ agency) NMG focuses on building affiliate marketing programs for consumer lenders. www.newmarketgrowth.com

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Insights and interviews at the intersection of consumer lending, marketing, and technology. Hosted by Carlos Caro, co-founder at The Free Toaster and Managing Partner at New Market Growth, a growth agency for consumer lenders.

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