What's Yendo?

The Yendo Card

Yendo is the credit card that's backed by the value of your car. You can use the equity you've accumulated in your car to tap into a new credit line of up to $10,000.

The Yendo card can provide access to credit for those who might not be able to qualify for other credit cards - all credit scores are welcome to apply.

There's no need to re-apply since it's a credit card and can provide you with on-going access to funds. If you need to pay a bill, make a one-time purchase, or you just want to have a credit card at your disposal "just in case", you can use your car's equity to provide you with access to funds when you need it.

Pre-approvals takes just 2 minutes, will not impact your score and puts you in the drivers seat - you decide if you'd like to continue your application.

Features & benefits

  • Credit limit - access up to $10,000 in credit, the average credit limit is $4,400
  • App - the Yendo app let's you manage your account, wherever you are. Track spending, make payments, peace of mind.
  • Virtual card - access a portion of your credit limit prior to getting your physical card in the mail with the Yendo virtual card. You can continue to use your virtual card even after your physical card arrives as well
  • Cash advances - ability to do cash advances on your card. Life happens and sometimes you need cash, fast.
  • Credit building - with responsible usage, like on-time payments, you can build credit and build for the long term. Build a brighter financial future for you and your family.

Apply for Yendo today!

What's vehicle equity?

You might be wondering what vehicle equity is and how you can use it with Yendo?

Well, vehicle equity is the portion of your car’s value that you fully own, after accounting for any outstanding loans or liens. If you own your car outright with no debt, your equity is 100%. If you still owe money on a loan, you can determine your equity by subtracting the remaining loan balance from the car’s current market value. Yendo takes this into account, along with other factors, to help determine your credit limit.

FAQs about Yendo

So, what's Yendo again?

  • Yendo is a credit card, powered by Mastercard, that lets you use the equity in your car to access a credit line of up to $10,000. It works just like a credit card, spend anywhere Mastercard is accepted and you can even get access to a virtual card before your physical card is shipped to you

How does it work?

  • Yendo looks at your car, the value of your car, your ability to pay, and other factors, so provide you with a credit line. The application process involves submitting your personal information like name, address and income as well as taking pictures of your car, to verify its condition, yourself and your ID and your cars title.

What if I'm making payments on my car?

  • Don't worry, you can apply, and be approved for, the Yendo card even if you're still making payments. You'll need to digitally transfer your title during the application process. Keep in mind too, many of our customers who have the card and are making payments actually save on their monthly car payment after it's all said and done.

Why do you need my title?

  • Your car is how we're able to provide you with an affordable credit card with limits that are often higher than other options like a credit card secured with a cash deposit. Yendo safely stores your title and will send it back to you promptly after you've paid off your balance and reached out to us to close your credit card. We know sometimes life happens and you need to close a card, but we do recommend keeping your cards open since the amount of credit you have access to can impact your credit score.

Reviews

“Gracias Yendo, por dare la oportunidad de restablecer mi crédito entre otras cosas, estoy encantada con lo fácil que es de usar y por la forma de asequrar mi portal, me da una paz saber que nadie que no este authorized va a poder usarlo, sin contar además del bajo interés a pagar... Sin duda alguna es digno de recomendar!!”

Marina R.

“My experience was excellent. Everyone was kind and helpful. All my questions were answered and the service was very quick. I highly recommend reaching out to Yendo.”

Sherry G.

Producer

“Yendo was a great choice. It was easy to apply and no matter your score you can be approved. Brian reached out over the phone and led me through the application and even made a trip to meet me to get all set up. They report to the credit bureaus. I’m looking forward for my Yendo account to up my score.”

Melissa T.

“You guys, this company is a solution to your debt problems. Instead of getting a car title loan with 300% interest, get a credit card secured by your car title! What a brilliant idea! Just download the
Yendo app and get started today.”

Kathleen B.

Producer

“Awesome monthly payments that are far more reasonable than a lot of title places' low rates, highly recommend Very impressed process was quick and easy definitely wouldn't go anywhere else.”

Wendy R.

"The application process was seamless! And fast! Got approved in minutes and had access to my card via Apple wallet. Card was sent in the mail right away."

Sam A.

“My experience was excellent. Everyone was kind and helpful. All my questions were answered and the service was very quick. I highly recommend reaching out to Yendo.”

Sherry G.

Producer

“Gracias Yendo, por dare la oportunidad de restablecer mi crédito entre otras cosas, estoy encantadacon lo fácil que es de usar y por la forma de asequrar mi portal, me da una paz saber que nadie que noeste authorized va a poder usarlo, sin contar además del bajo interés a pagar... Sin duda alguna esdigno de recomendar!!”

Marina

“Yendo was a great choice. It was easy to apply and no matter your score you can be approved. Brian reached out over the phone and lead me through the application and even made a trip to meet me to get all set up. They report to the credit bureaus. I’m looking forward for my Yendo account to up my score.”

Melissa T.

Reviews

Check our review page for more detailed reviews from our users.

“Gracias Yendo, por dare la oportunidad de restablecer mi crédito entre otras cosas, estoy encantada con lo fácil que es de usar y por la forma de asequrar mi portal, me da una paz saber que nadie que no este authorized va a poder usarlo, sin contar además del bajo interés a pagar... Sin duda alguna es digno de recomendar!!”

Marina R.

“My experience was excellent. Everyone was kind and helpful. All my questions were answered and the service was very quick. I highly recommend reaching out to Yendo.”

Sherry G.

“Yendo was a great choice. It was easy to apply and no matter your score you can be approved. Brian reached out over the phone and led me through the application and even made a trip to meet me to get all set up. They report to the credit bureaus. I’m looking forward for my Yendo account to up my score.”

Melissa T.

“You guys, this company is a solution to your debt problems. Instead of getting a car title loan with 300% interest, get a credit card secured by your car title! What a brilliant idea! Just download the Yendo app and get started today.”

Kathleen B.

“Awesome monthly payments that are far more reasonable than a lot of title places' low rates, highly recommend Very impressed process was quick and easy definitely wouldn't go anywhere else.”

Wendy R.

"The application process was seamless! And fast! Got approved in minutes and had access to my card via Apple wallet. Card was sent in the mail right away."

Sam A.

FAQs

Does Yendo build my credit?
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With responsible usage, Yendo can help build your credit. We report to Experian, Equifax and TransUnion.

What will my credit line be?
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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?
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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.

Can I get approved even if I have bad credit or no credit?
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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?
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Most Yendo cardholders have access to their virtual credit card within an hour of completing their application and mailing their title. 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.'

If I miss a payment, do I lose my car?
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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?
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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?
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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?
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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.

Davenport, Florida

No credit check for pre-approval

Access up to $10k in revolving credit

Build your credit

HOW IT WORKS

Your Yendo Credit Card is just 3 steps away.

Approval notification on Yendo app
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Get pre-approved

Complete our quick and easy pre-approval process online in minutes (don’t worry, we don't check your credit score for pre-approval).

Car driving on road
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Access your card

Once your car’s condition is verified and your title is mailed, you’ll instantly receive a digital credit card while we print and ship your physical credit card.

Yendo Credit Card
diamond 3

Build your credit

Access money when you need it, withdraw cash, build your credit, and achieve a stronger financial future.

Reviews

“Gracias Yendo, por dare la oportunidad de restablecer mi crédito entre otras cosas, estoy encantada con lo fácil que es de usar y por la forma de asequrar mi portal, me da una paz saber que nadie que no este authorized va a poder usarlo, sin contar además del bajo interés a pagar... Sin duda alguna es digno de recomendar!!”

Marina R.

“My experience was excellent. Everyone was kind and helpful. All my questions were answered and the service was very quick. I highly recommend reaching out to Yendo.”

Sherry G.

Producer

“Yendo was a great choice. It was easy to apply and no matter your score you can be approved. Brian reached out over the phone and led me through the application and even made a trip to meet me to get all set up. They report to the credit bureaus. I’m looking forward for my Yendo account to up my score.”

Melissa T.

“You guys, this company is a solution to your debt problems. Instead of getting a car title loan with 300% interest, get a credit card secured by your car title! What a brilliant idea! Just download the
Yendo app and get started today.”

Kathleen B.

Producer

“Awesome monthly payments that are far more reasonable than a lot of title places' low rates, highly recommend Very impressed process was quick and easy definitely wouldn't go anywhere else.”

Wendy R.

"The application process was seamless! And fast! Got approved in minutes and had access to my card via Apple wallet. Card was sent in the mail right away."

Sam A.

“My experience was excellent. Everyone was kind and helpful. All my questions were answered and the service was very quick. I highly recommend reaching out to Yendo.”

Sherry G.

Producer

“Gracias Yendo, por dare la oportunidad de restablecer mi crédito entre otras cosas, estoy encantadacon lo fácil que es de usar y por la forma de asequrar mi portal, me da una paz saber que nadie que noeste authorized va a poder usarlo, sin contar además del bajo interés a pagar... Sin duda alguna esdigno de recomendar!!”

Marina

“Yendo was a great choice. It was easy to apply and no matter your score you can be approved. Brian reached out over the phone and lead me through the application and even made a trip to meet me to get all set up. They report to the credit bureaus. I’m looking forward for my Yendo account to up my score.”

Melissa T.

testimonials

What people are saying
about us.

“Gracias Yendo, por dare la oportunidad de restablecer mi crédito entre otras cosas, estoy encantada con lo fácil que es de usar y por la forma de asequrar mi portal, me da una paz saber que nadie que no este authorized va a poder usarlo, sin contar además del bajo interés a pagar... Sin duda alguna es digno de recomendar!!”

Marina R.

“My experience was excellent. Everyone was kind and helpful. All my questions were answered and the service was very quick. I highly recommend reaching out to Yendo.”

Sherry G.

“Yendo was a great choice. It was easy to apply and no matter your score you can be approved. Brian reached out over the phone and led me through the application and even made a trip to meet me to get all set up. They report to the credit bureaus. I’m looking forward for my Yendo account to up my score.”

Melissa T.

“You guys, this company is a solution to your debt problems. Instead of getting a car title loan with 300% interest, get a credit card secured by your car title! What a brilliant idea! Just download the Yendo app and get started today.”

Kathleen B.

Awesome monthly payments that are far more reasonable than a lot of title places' low rates, highly recommend Very impressed process was quick and easy definitely wouldn't go anywhere else.”

Wendy R.

"The application process was seamless! And fast! Got approved in minutes and had access to my card via Apple wallet. Card was sent in the mail right away."

Sam A.

FAQs

How soon can I get my credit card?
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Most Yendo customers have access to their virtual credit card within 30 minutes. 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?
Plus sign

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?
Plus sign

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. 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 will my credit line be?
Plus sign

Yendo Credit Cards have credit limits ranging from $450 up to $10,000. Your credit limit depends on the make, model, mileage, and condition of your vehicle and your ability to repay.

What are my payment terms?
Plus sign

The Yendo Credit Card provides flexible 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 full balance on or before your due date, you pay zero interest. In the event you don’t wish to pay off your full balance, our minimum payment is 5% of your statement balance or $50, whichever is greater. Please note that penalties, such as late fees, may increase your minimum payment requirement.

more about

Davenport FL Title Loans Alternative

Skip the high rates of title loans and apply for the Yendo car-secured credit card.

Your new credit card is in sight.

Access up to $10,000 in credit with Yendo.

get started