Build credit using your car.
No impact on credit for pre-approval process
We report to 3 major credit bureous
Pre-approval in 3 minutes
Why apply for the Yendo Mastercard®?
No impact on credit for pre-approval process
Find out how much you’re pre-approved for in 3 minutes, with no impact to your credit.
Pre-approval in 3 minutes
The average time our customers take to get pre-approved is just 3 minutes. You’re in the driver’s seat here - so see if you’re pre-approved before moving forward, with no impact to your credit
We report to 3 major credit bureaus
We report all credit card activity to the bureaus, so with responsible usage, you can use the Yendo credit card to build your credit.
In partnership with
Virtual card before your physical card arrives
After the approval process, the virtual card lets you quickly access your credit while the physical card is shipped to you. You can use it online or with Apple, Google or Samsung pay right away.
Payment history makes up 35% of your FICO® credit score*
Building credit takes time, but with responsible, like making on-time payments, your Yendo credit card can help you do just that - build credit!
*https://www.myfico.com/credit-education/whats-in-your-credit-score
How to use Yendo to build credit
1. Apply for a Yendo Credit Card
Get pre-approved for a Yendo credit card in just 3 minutes.
2. Monitor your spend
Generally, experts suggest only using 30% of your available credit. This shows responsible spending and may improve your score.
3. Make On-Time Payments
Always pay at least the minimum payment due by the due date to avoid late fees and negative marks on your credit report. Our customer service team is available to help and adjust payment due dates based on your circumstances.
4. Build your credit
Building good credit takes time. Consistently making on-time payment, along with other positive factors, can gradually improve your credit score.
Apply and get pre-approved today!
See why our cardholders love us!
“Yendo was quick and easy. Simply done from my phone. I hardly had to leave the couch and the interest rate worked great for our budget. So I recommend Yendo to anyone who will listen. I'd say at least try the process. You'd be very happy.”*
"Quick shoutout to Yendo, I just got available credit, without even receiving the card yet, the process was great, it was everything that Yendo said it was gonna be"*
"If you're looking for that credit that you've not been able to come up with, Yendo is probably exactly what you're looking for.”*
Your security is important to us
Security you can trust
The Yendo credit card offers fraud protection, including 24/7 monitoring for suspicious activity and the ability to freeze your card
Customers first
Customer service is key to building trust. Our Customer Success team is available from 8:00 AM - 6:00 PM CST (Mon-Fri), 9:00 AM - 4:00 PM (Sat) to listen to you.
FAQs
Yes, Yendo helps you build your credit. We report to Experian, Transunion and Equifax credit bureaus.
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.
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 1% 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.
You can get approved as long as you meet Yendo’s other approval criteria. Our mission is to offer affordable credit access to everyone.
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 3-7 days.
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.
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.
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.
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.