The credit card secured by the value of your car — not your credit score.

Thank you! Your submission has been received!

Get pre-approved for your credit card in minutes

No credit checks — ever

Access up to $10k in revolving credit

Only pay for what you spend

Access up to $10k in credit without the high rates and hassle of a loan.

Using a Yendo card is quick, easy, and flexible. Pay your entire balance monthly with no interest, or carry a balance with a fixed low rate.

Interest rate (APR)

Credit building

Flexible spending

Vehicle health screen

YENDO

24.99%

Yendo provides credit building
Yendo provides transparent terms
Yendo provides vehicle health protection
TITLE LOAN

300.00%

Title loans do not provide credit building
Title loans do not provide transparent terms
Title loans do not provide vehicle health protection

It’s simple: your credit card is powered and secured by the car you own.

We report to

Equifax logoExperian logo
Yendo app displaying available credit line
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).

Car driving on road
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Access your credit line

Once our Yendo Smart Device verifies your car’s condition 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
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Build your credit

Send us your car title by mail and we'll activate your credit card right away. Access money when you need it, 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.

Yendo in the press

“We keep things running smoothly by offering real-time support with real humans. We’re always here to talk honestly and openly about your payment structure.”

Jessica Kennedy

United States Representative

Yendo launches digital credit platform in all states.

Mark Cuban-backed Otto raises $4.5M to turn car equity into credit

“We keep things running smoothly by offering real-time support with real humans. We’re always here to talk honestly and openly about your payment structure.”

Jessica Kennedy

United States Representative

Yendo launches digital credit platform in all states.

Mark Cuban-backed Otto raises $4.5M to turn car equity into credit

“We keep things running smoothly by offering real-time support with real humans. We’re always here to talk honestly and openly about your payment structure.”

Jessica Kennedy

United States Representative

Yendo launches digital credit platform in all states.

Mark Cuban-backed Otto raises $4.5M to turn car equity into credit

“We keep things running smoothly by offering real-time support with real humans. We’re always here to talk honestly and openly about your payment structure.”

Jessica Kennedy

United States Representative

Yendo launches digital credit platform in all states.

Mark Cuban-backed Otto raises $4.5M to turn car equity into credit

FAQs

How soon can I get my credit card?

It’s your decision. You can have access to your credit within 24 hours or in about 5 days, depending on your credit card activation method.

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

No. If you miss a payment or pay late, you will not lose your car. We exist to help people get ahead financially, and we want to support you as much as we can. If you can't make your payments, give us a call so we can work with you. 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 is very 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. 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?

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

What are my payment terms?

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 3% of your statement balance or $50, whichever is greater. Please note that penalties, such as late fees, may increase your minimum payment requirement.

Your new credit card is in sight.

Access up to $10k in credit with Yendo.

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