The credit card secured by the value of your car — not your credit score.
Get pre-approved for your credit card in minutes.
No impact to your credit for pre-approval
Access up to $10k in revolving credit
Build your credit
Access up to $10,000 in credit without the high rates and hassle of a loan.
Using a Yendo Credit Card is quick, easy, and flexible. Pay your entire statement balance monthly with no interest, or carry a balance with a fixed, affordable rate.
Interest rate (APR)
Credit building
Fraud protection
Mobile insights
YENDO
29.88%
TITLE LOAN (1)
291.00%
It's simple: your credit card is financed and secured by your vehicle.
In partnership with
Your security is important to us
Using a Yendo credit card is quick, easy, and flexible. Pay your entire balance monthly with no interest on purchases.
HOW IT WORKS
Your Yendo Credit Card is just 3 steps away.
Get pre-approved
Complete our quick and easy pre-approval process online in minutes (don’t worry, it won't impact your credit score for pre-approval).
Access your card
Once your car’s condition is verified and your title is mailed, you’ll instantly receive a virtual credit card while we print and ship your physical credit card.
Build your credit
Access money when you need it, withdraw cash, build your credit, and achieve a stronger financial future.
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.
Reviews
Check our review page for more detailed reviews from our users.
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 3% 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.
We don’t check credit for pre-approval and you can get approved if you meet our approval criteria. Our mission is to offer affordable credit access to everyone, regardless of their credit score.
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 5-7 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. 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 3% of your statement balance or $50, whichever is greater. Please note that penalties, such as late fees, may increase your minimum payment requirement.
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.