Get pre-approved
Complete our quick and easy pre-approval process online in minutes. On average, most people are pre-approved in 3 minutes. And don’t worry, checking your offer won’t impact your credit!
How it works
Find out how you can use your car to access credit with Yendo
Get pre-approved
Complete our quick and easy pre-approval process online in minutes. On average, most people are pre-approved in 3 minutes. And don’t worry, checking your offer won’t impact your credit!
Verify yourself and your car
Once you’re pre-approved, submit a few photos of to verify yourself and your car and then:
If you have a full ownership to your car
mail your title through our Fedex partners.
If you are currently paying down your auto loan
digitally transfer your existing loan to Yendo.
Access your money
After we verify that your title is mailed, or your loan is transferred, instantly access your virtual credit card. Since it's a credit card, there's no need to reapply every time you need funds. You'll have access to a revolving line of credit, so you can use it as you need it and only pay for what you spend (plus interest & fees).
Manage your credit card and its balance with the Yendo app
Get reminders
We’ll help you plan and prepare for upcoming payments.
Plan ahead
With our Yendo app, keep track of your finances and pay on-time.
Talk to us
You’re not in this alone. Call or message us through our app when you need help.
FAQs
Does Yendo build my credit?
Yes, Yendo helps you build your credit. We report to Experian, Transunion and Equifax credit bureaus.
What will my credit line be?
Yendo Credit Cards have credit limits ranging from $450 up to $10,000. Your credit line depends on the make, model, mileage, and condition of your vehicle in addition to your ability to repay.
How many days do I have to repay?
You have 25 days after the end of your monthly statement to make a payment. You can make payments at anytime, and you will need to make a minimum payment of 5% of your statement balance or $50 (the greater of). We're here to help, so if you do need assistance making your minimum monthly payment, please give us a call.
Can I get approved even if I have bad credit or no credit?
Yes, you can get approved regardless of your credit score! You can get approved as long as you meet Yendo’s other approval criteria. Our mission is to offer affordable credit access to everyone.
How soon can I get my credit card?
Yendo customers can have access to their virtual credit card within 30 minutes of completing the approval process. The virtual card can be used online or with Apple, Google, or Samsung pay. A physical card will be mailed to you and typically arrives in 5-7 days.
If I miss a payment, do I lose my car?
We will always work with you to try to establish a plan that works with your situation. However, as a lienholder, we can exercise our right to recover an outstanding balance, but this is our last option. Keep in mind that with Yendo, your minimum monthly payment can be more affordable compared to other alternatives like title loans.
If I sign up, when and how do I get my title back?
You can get your title back at any time by paying off your balance and giving us a call to close your account. Once we verify that your balance is $0, Yendo will close your account and remove its lien from your title. We will then release the title to you within 10 days of payoff - please note that there may be some situations outside of Yendo's control, such as DMV processing timelines, that could extend this timeframe. Or you can keep your account open with a $0 balance and pay no interest, so you can have continued access to your credit card when or if you wish to use it.
What are my payment terms?
While your official due date is 25 days after receipt of your previous monthly statement, you can pay off all or a portion of your balance in advance at any time. The best part? If you pay your statement balance on or before the due date every month, you’ll pay zero interest on purchases. In the event you don’t pay off your full balance, our minimum payment is 1% of your principal balance or $50, whichever is greater. Please note if you have interest or fees charged to your account, these will be added to your minimum payment due.
What is overlimit?
If your balance exceeds your credit limit, your account is overlimit. You will need to make a payment that brings your balance below your credit limit and make at least a minimum payment to unblock your card.