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The credit card secured by the value of your car

Whether you own your car, or are making payments, apply for the Yendo credit card today.

No impact to your credit for pre-approval

Access up to $10k in revolving credit

Build your credit with responsible usage

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Yendo in 1 minute

We help you build a new financial future. We’re Yendo.

Apply for credit in a new way using the value of your car to access the funds you want, when you need them.


Interest saved with Yendo*

Save up to $1,000 monthly in interest and fees

Stop paying thousands a year in interest and fees from high interest loans like title, payday, or personal loans

*Amount of 'Interest Saved' is calculated as: (Current Cumulative Balance) * (Revolving Balance Percentage) * (Applicable Interest Rate). Amount conservatively assumes savings of Yendo's interest rate versus the CFPB stated Title Loan average interest rate, multiplied by the cumulative balance charged to all Yendo Cards. Payday loans and high-interest, non-bank installment loan average interest rates are similarly reviewed to calculate potential monthly savings

It's simple: your credit card is financed and secured by your vehicle.

How it works

Yendo’s 3 simple steps under 15 minutes

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Get pre-approved

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Get pre-approved

Complete our quick and easy pre-approval process online in minutes - don’t worry, pre-approval won't impact your credit!

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Verify you and your car

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Verify you and your car

After your personal identity and car's condition are verified, drop off your title or digitally transfer your auto loan, depending on the ownership of your car.

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Access your money

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Access your money

Instantly access money and withdraw cash with cash advances. Since it's a credit card, there's no need to reapply every time you need funds.

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What drives us

Too many people need extra money to make ends meet, only to be faced with bad options that leave them worse off. We created Yendo to bring access, transparency and clarity to the process of borrowing money when you need it most.


What people are saying about us.

“The process is super simple and easy. All you gotta do is download the app, take a couple pictures, and then your line of credit is available.”

Stephen M.
Hyundai Sonata

The process is super simple and easy. All you have to do is download the app, take a couple of pictures, and then your line of credit is available."

Stephen M. (Florida)
Hyundai Sonata

“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.”

Melissa T. ,Marketing Expert

“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.

See why our cardholders love us!

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

* Real Yendo customers were compensated for their honest review of Yendo


Does Yendo build my credit?
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Yes, Yendo helps you build your credit. We report to Experian, Transunion and Equifax credit bureaus.

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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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.

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.

Your new credit card is in sight.

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

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