The credit card powered by your car
Yendo is the first credit card backed by vehicle equity. It works like a regular Mastercard but taps into your vehicle equity to get higher limits at low rates.
Congratulations! You've been approved for a $10,000 credit limit.
See why our customers love us!
"It's extremely convenient. I love the fact that I can make payments through Apple Pay. I can make payments through my bank accounts and it's very convenient. I love the fact that I was able to utilize my car title."*
Your car is your key to a new credit card
The Yendo credit card uses your car’s equity value to give you access to a higher credit limit at an affordable rate. It can be used anywhere Mastercard® is accepted, for everyday purchases or big ticket items. So whether you need credit now, or just in case, apply today and tap into the value of your car like never before.
Your car’s value = access to money
No impact to credit for pre-approval
Payments made easy
Virtual card before your physical card arrives
Explore the features & benefits of Yendo
Let your car get you the credit you need and the benefits you deserve.
Virtual card
After you're approved, accept your offer, and your title is sent to us, you can start using your virtual card right away.
Customer service
Our Customer Success team is here to help you - whether you have questions during the application or once you're a cardholder, we've got your back.
Credit building
Build your credit with responsible usage of your Yendo credit card. We report to all 3 bureaus.
Cash Access
Get a cash advance if you need fast access to cash.
Referral program
Refer your friends and family to earn extra money with our referral program
Your car can help you
Yendo can help your financial journey.
Applying for the Yendo credit card is as simple as 1...2...3
Get pre-approved
Fill out some information about you and your your car and you can get pre-approved in 2 minutes with no impact to your credit score.
Verify yourself and your car
Once pre-approved, verify your information by taking photos of your car and ID. Keep your phone handy!
Access your money
After approval and sending in your title, you'll get access to part of your credit limit with our virtual card while your physical card is mailed to you. Activate it once it arrives and you'll get access to your full credit limit.
Get pre-approved
Fill out some information about you and your your car and you can get pre-approved in 3 minutes with no impact to your credit score.
Transfer your loan
Digitally transfer your existing auto loan to Yendo, which takes about 6 minutes on average.
Access your money
After approval, you'll get access to part of your credit limit with our virtual card while your physical card is mailed to you. Activate it once it arrives and you'll get access to your full credit limit.
why is yendo different?
Access to credit at an affordable rate, for all credit scores
FAQs
With responsible usage, Yendo can help build your credit. We report to Experian, Equifax and TransUnion.
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.
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.'
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.
Apply today
Access up to $10,000 in credit with Yendo.
