Winona, TX: Yendo, A Better Alternative to Title Loans

Winona, Texas is a small community located in Smith County, offering plenty of unique and budget-friendly things to do. From visiting the Harold B. Stone Afro-American Museum to exploring the Fredonia Hill Vineyard, there's something for everyone in this small town. One of the most popular activities in Winona is visiting the Harold B. Stone Afro-American Museum. This museum is home to a variety of exhibits and documents, showcasing the light of African-American history, culture and achievements. Admission is free, making it a budget-friendly option. For some outdoor adventure, visit the Fredonia Hill Vineyard. This vineyard is a great spot for wine tasting and enjoying the beautiful scenery. It's free to access, making it a budget-friendly option for some wine and relaxation. Overall, Winona has something for everyone, and there are plenty of unique and budget-friendly options to enjoy. So the next time you're in town, be sure to check out these activities and more. In addition to all these budget-friendly options, using the Yendo Vehicle Secured Credit Card is a great way to build your credit while exploring all that Winona has to offer.

"Yendo was quick and easy.I recommend Yendo to anyone who will listen. I'd say at least try the process. You'd be very happy.”*

Mela M.

Avondale, AZ

"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."*

James S.

Dayton, OH

"I heard about Yendo through a friend from the start through the application process, through the funding was very quick and very pain free."*

David T.

Cardiff by the Sea, CA

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FAQs

Does Yendo build my credit?

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

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 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?

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?

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?

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.