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The road to credit starts here

Build credit with the value of your car.
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Why apply for the Yendo Mastercard®?

Because you can use the value of your owned car to access credit in a new way, and build it too. Don't let low or no credit hold you back.

Your car’s value = your credit score

Not only can you use your car to get credit, but you can build credit with the Yendo card. All account activity is reported to the 3 bureaus.

No credit check for pre-approval

Find out how much you’re pre-approved for in 5 minutes, with no impact to your credit.

ONLY PAY FOR WHAT YOU SPEND

Your credit limit will be based in part on the value of your car, up to $10k. But, you only pay for what you spend unlike loans.

Virtual card before your physical card arrives

After the approval process, the virtual card lets you quickly access your credit while the physical card is shipped to you. You can use it online or with Apple, Google or Samsung pay right away.

Build credit with responsible usage and repayment

The Yendo card can help you build credit. Your account activity is reported to all 3 credit bureaus, so with responsible usage you can hop into the drivers seat of your finances and reach your goals - a house, a car, an apartment.
HOW IT WORKS

Your Yendo Credit Card is just 3 steps away.

HOW IT WORKS

Your Yendo Credit Card is just 3 steps away.

1. Get pre-approved
Complete our quick and easy pre-approval process online in 5 minutes (don’t worry, it won't impact your credit score for pre-approval).
2. Get your card
Once your car’s condition is verified and your title is mailed from our Fedex partners, you’ll instantly receive a virtual credit card while we print and ship your physical credit card.
3. Get your Money
Access money when you need it, withdraw cash with cash advances, make on-time payments for credit building. No need to re-apply - your credit line is yours.

Your security is important to us

Turn on notifications to track transactions, reach out to our customer success team with any issues. We take your security seriously.

Reviews

"I just got my new credit card emailed today and it looks great. My son uses the program and that’s how I heard about it and it worked out great for me and it can for you, too."

Dave M.

Submitted Review*

"The interest rate is reasonable, it is actually a line of credit and you get a little credit card, and once you pay it off you get your title back. It was super easy and you can do everything online on the app on your phone and it is great. I highly recommend it."*

Wendy B.

Submitted Review*

"I just wanted to give a shoutout to Yendo. The process is super simple and easy, all you gotta do is download the app and take couple pictures and then your line of credit is available."*

Stephen M.

Submitted Review*

Producer

"I’d definitely recommend Yendo app, everything was fast and the approval process was fast. It was actually amazing, and definitely came right on time. So i definitely encourage and strongly advise you and your friends to try the Yendo app."*

Kalaya L.

Submitted Review*

"They make it so easy, they build credit, you get the money instantly, and it is easy to pay, what more could you say? Go ahead and do it and get it done."*

Garret A.

Submitted Review*

"It was a very easy process, super quick to fill out, they verify the information almost instantaneously. And once I had my title at Fedex, and it was way less than the 2-hour time frame they gave to have the money in the account and the virtual card that I can use right away. You can even add that to your apple pay."*

Blake G.

Submitted Review*

"Yendo has been great, we were able to get the equity out of our vehicle, and exchange to the credit loan. Yendo has been great, the process very simple, the customer service has been A+. I appreciate Yendo and you will too."*

Christian P.

Submitted Review*

* Real Yendo customer was compensated for their honest review of Yendo

FAQs

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 5% 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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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.

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 5-7 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. 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 3% of your statement balance or $50, whichever is greater. Please note that penalties, such as late fees, may increase your minimum payment requirement.

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 secured credit card is in sight.

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

get started