FAQ

We're here to help

What will my credit line be?

Yendo Credit Cards have credit lines ranging from $500 up to $10,000. Your credit line depends on the make, model, mileage, and condition of your vehicle and your ability to repay.

Is it an actual credit card?

Yes, and it’s powered by Mastercard. We report to all 3 major credit bureaus.

How many days do I have to repay?

You have 30 days to pay your balance with no interest (0%, that's right!). You can make payments at anytime, but if you do carry a balance, you will need to make a minimum payment of 3% or $50 (the greater of). We're here to help, so if you do need assistance making your minimum monthly payment, give us a call.

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 non-traditional alternatives like title loans.

The Company

How did Yendo start?

We created Yendo to bring access, transparency, and clarity to the process of borrowing money when you need it most. We were sick of seeing title and personal loan companies hit people with high interest rates and fees, so when a friend lost his vehicle to a title lender in the global pandemic, we chose to build a better, more affordable system.

What is Yendo’s mission?

At Yendo, we want to reshape the lending industry to help rather than hurt. We were sick of seeing title and personal loan companies hit people with high interest rates and fees, and knew we could provide a new, better way.We were inspired by auto-lending because you can use what you have — your car — to get the money you need and build the credit you want. As you work towards your goals, we’ll be your partner through it all — from point A to point B, and whatever comes next.

Yendo seems to be good to be true. What’s the catch?

No catch. If you own your vehicle, we can give you access to up to $10k at an affordable interest rate with transparent terms, without ever checking your credit.

How does Yendo protect my information?

Our top priority is to protect your information. We take your privacy very seriously. Please review our Privacy Policy to learn more - link.

Know Before Getting Started

Why should I choose Yendo?

At Yendo, we believe everyone should have access to fair and affordable credit regardless of their credit score. We understand life can be unpredictable, and the right financial partner can help you navigate the twists and turns. With our Yendo Credit Card, you can get up to $10,000 at an affordable rate by using the equity in something you already own - your vehicle! And we report to the major credit bureaus, which can help you build the credit you need for a more secure financial future.

How is this different from a title loan?

We created Yendo to bring access, transparency, and clarity to the process of borrowing money

  1. Title loans are expensive, inconvenient, don’t build credit, and often trap borrowers in debt.
  2. Yendo is easier, smarter, and more affordable, and gives you: (a)The opportunity to build credit. (b)Protection against fraud
  3. $0 in interest if you pay your full balance on time each month. Yes, that’s right; you won't pay a penny in interest as long as you pay off in full on or before your due date.
  4. A credit limit of up to $10,000 that is there when you need it.
  5. If you pay off your full balance and keep your account open, you won’t need to reapply, you can quickly access the cash when/if you need it.

With the Yendo Credit Card, you can get approved from the convenience of your smartphone and have access to revolving credit at a 24.99% APR (Annual Percentage Rate).

Is it an actual credit card?

Yes, and it’s powered by Mastercard. We report to all 3 major credit bureaus.

How soon can I get my credit?

It’s your decision. You can have access to your credit within 24 hours or in about 5 days.

How many days do I have to repay?

You have 30 days to pay your balance with no interest (0%, that's right!). You can make payments at anytime, but if you do carry a balance, you will need to make a minimum payment of 3% or $50 (the greater of). We're here to help, so if you do need assistance making your minimum monthly payment, give us a call.

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 non-traditional alternatives like title loans.

Will this affect the ownership of my car?

No. Even though we become the lienholder, your car remains in your possession, and you will remain listed as the owner. Once you close your account, the lien is released, and the title is returned to you.

What vehicles can be used to apply?

We created Yendo to bring access, transparency, and clarity to the process of borrowing money when you need it most.

  1. Cars
  2. Light Duty Trucks
  3. Vans
  4. Sport Utility Vehicles (SUVs)

We only accept vehicles that are 1996 or newer and in working condition

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 access to your credit line.

Is Yendo a secured credit card?

Not quite, but similar. A secured credit card requires money to be deposited to open an account. That money is known as a security deposit, and your credit limit is equal to the amount of that security deposit.

At Yendo, we know most people want financial mobility and a financial safety net.  doesn’t require a cash deposit, instead you use the equity in your vehicle to gain access to credit. The credit limit will be determined by the year, make, model and condition of your vehicle. We will also take your income into consideration to ensure you are able to afford the monthly payments.

Do I need to have a Social Security number in order to apply?

No, you can apply using either a SSN or an ITIN.

Can I sign up for the Yendo card if I am not a U.S. Citizen?

Of course! U.S. Citizenship is not a requirement for approval.

What will my credit line be?

Yendo Credit Cards have credit lines ranging from $500 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 the minimum requirements to get approved for the Yendo Credit Card?
  1. Have a Social Security Number OR an ITIN (Individual Taxpayer Identification Number)
  2. Have a valid email address
  3. Be at least 18 years old (19 in Alabama or Nebraska)
  4. Live in one of the 50 United States, D.C., or a U.S. military location
  5. Have a smartphone
  6. Have a valid government-issued photo ID (U.S or foreign)Own your vehicle outright and have the title with you listed as the legal owner.
  7. Have a 1996 or newer working vehicle (runs and drives)
  8. Have an income that can support your monthly bill (we don’t want you going into debt you can’t afford).
How does the application process work?

Visit Yendo.com and click "Get Started".

Pre-approval. Submit your basic information and your vehicle's information. The pre-approval step only takes a few minutes to complete.

Download the Yendo App. Once pre-approved, you need to finish your application in our mobile app. We need a few more details about you, your vehicle, and its title**.**

Vehicle Verification. After sharing your vehicle and title details, you will need to validate your vehicle in our system with the help of our Yendo Smart Device that connects to your vehicle. You will have the option to receive the Yendo Smart Device by mail (free of charge) or you can request to receive it the same day (if you get approved, a fee for this expedited service will be applied to your first statement)

Credit Card Activation. Once fully approved, you need to send us the vehicle title via secured mail from our shipping partners UPS and Fedex. We cover the cost of the secured shipment, so you only need to bring your phone and your title to the nearest UPS or Fedex store. You will be issued a virtual card once you’ve mailed your title.

Physical Card. We will ship your physical card to you once you’ve securely mailed your title. Our cards typically arrive within 5-7 days.

If eligible in your area, the Yendo Smart Device and title retrieval process may be expedited through a courier service. If you choose this option, you could receive your virtual card the same day you apply. Fees will apply for this option.

What information do I need to provide in the application?

To apply you must provide some personal information to help us verify your identity.

  1. Full legal name, birthdate and mailing address
  2. Email address and Phone number
  3. Social Security Number OR ITIN
  4. Estimated income and expenses
  5. Pictures of your government issued ID, vehicle and title.

*We use this information only for identity verification and repayment ability. We do not check your credit history. Your credit will not be affected by applying for an Yendo Credit Card.

You will also need to provide information about your vehicle and title

  1. Year, Make, Model of your vehicle
  2. Mileage and condition
  3. Title information (title number, VIN and remarks)
I own multiple vehicles. Can I apply with more than one vehicle to increase my credit line?

Unfortunately, you are currently only able to link one vehicle at a time. We are working on the  ability to link multiple vehicles and allow a larger credit line.

Can I get approved even if I have bad credit or no credit?

Yes! We don’t check credit, and you can get approved as long as you meet Yendo’s other approval criteria. Our mission is to offer affordable credit access to everyone, regardless of their credit score.

I was pre-approved. Does that mean I will be approved to get the Yendo Credit Card?

Congrats! A pre-approval is good news, it means that you and your vehicle have met our initial screening criteria. However, you will still need to submit an application to see if you are approved.

There are some instances where you may be pre-approved but fail to qualify after submitting your application. This may happen, for instance, if we determine your vehicle has mechanical issues or if we are not able to verify your identity, among other factors. The only way to see for sure if you are approved is by submitting your full application.

Yendo Smart Device

What is the Yendo Smart Device?

The Yendo Smart Device is a small wireless device that plugs into your vehicle's onboard diagnostic port (OBD-II port). We'll ship you a device to validate the vehicle information and verify your vehicle’s condition and help you manage your vehicle's health.

Do I need to keep the Yendo Smart Device plugged in at all times?

Yes, the Yendo device needs to stay plugged in so you can maintain access to your credit line. It’s okay to briefly remove the device so a mechanic can access the port, or if you need to reset the device, but under normal circumstances, we require that it stays plugged in.

What are the benefits of the Yendo Smart Device?

Here are some of the benefits you will get with the Yendo Device

  1. Save Money - quickly diagnose issues without visiting a mechanic
  2. Maintenance Reminders: Get reminded of important maintenance or needed repairs


Yendo Card Features

How does Yendo help me build a credit history?

Yendo reports your account behavior to all 3 major credit bureaus. Each month, we let them know whether you have made your account payments on time and in full. Payment history is one of the largest factors considered in your credit score.If you miss your payments or make late or incomplete payments, we also report that to the credit bureaus. Such behavior can negatively impact your credit score.

I have seen that Yendo offers revolving credit, but what does that mean?

With Yendo you will have access to revolving credit. Think of it as a rechargeable battery.

Let’s say your card has a $1,000 credit limit and you make a $400 purchase. That means you have $1,000 less $400 — or $600 — in available credit. At this point, you can spend only $600 more on your card before you hit your limit.

However, let’s say you now pay $300 toward your balance. This raises your available credit to $900 ($600 plus $300). Now you can spend up to $900 on your card. In a sense, you’ve “recharged” your card’s spending power.

What are my payment terms?

A 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 greatest. Please note that penalties, such as late fees, may increase your minimum payment requirement.

I need access to cash. Can I do cash advances with the Yendo Card?

Yes! You are able to withdraw cash at an ATM using your Yendo Card. Keep in mind that cash advances immediately start accruing interest and the APR with cash advances is slightly higher. You can review our cardholder agreement here

Where can I use my Yendo card?

You can use your Yendo Card anywhere MasterCard is accepted, in the US and internationally.

What will my credit line be?

Yendo Credit Cards have credit lines ranging from $500 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.

Is it an actual credit card?

Yes, and it’s powered by Mastercard. We report to all three major credit bureaus.

How many days do I have to repay?

Each month you will receive a statement showing your outstanding balance for the month. You have 25 days to pay your balance with no interest (0%, that's right!). You can make payments at anytime, but if you do carry a balance, you will need to make a minimum payment of 3% or $50 (the greater of). We're here to help, so if you do need assistance making your minimum monthly payment, give us a call.

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 non-traditional alternatives like title loans.

How did Yendo start?

We created Yendo to bring access, transparency, and clarity to the process of borrowing money when you need it most. We were sick of seeing title and personal loan companies hit people with high interest rates and fees, so when a friend lost his vehicle to a title lender in the global pandemic, we chose to build a better, more affordable system.

What is Yendo’s mission?

At Yendo, we want to reshape the lending industry to help rather than hurt. We were sick of seeing title and personal loan companies hit people with high interest rates and fees, and knew we could provide a new, better way.We were inspired by auto-lending because you can use what you have — your car — to get the money you need and build the credit you want. As you work towards your goals, we’ll be your partner through it all — from point A to point B, and whatever comes next.

Yendo seems too good to be true. What’s the catch?

No catch. If you own your vehicle, we can give you access to up to $10k at an affordable interest rate with transparent terms, without ever checking your credit score.

How does Yendo protect my information?

Our top priority is to protect your information. We take your privacy very seriously. Please review our Privacy Policy to learn more.

How does Yendo make money?

Yendo makes money two ways: through interchange and interest.

Why should I choose Yendo?

At Yendo, we believe everyone should have access to fair and affordable credit regardless of their credit score. We understand life can be unpredictable, and the right financial partner can help you navigate the twists and turns. With our Yendo Credit Card, you can get up to $10,000 at an affordable rate by using the equity in something you already own - your vehicle! And we report to the major credit bureaus, which can help you build the credit you need for a more secure financial future.

How is this different from a title loan?

We created Yendo to bring access, transparency, and clarity to the process of borrowing money.

  1. Title loans are expensive, inconvenient, don’t build credit, and often trap borrowers in debt.
  2. Yendo is easier, smarter, and more affordable, and gives you:

(a) The opportunity to build credit.

(b) Protection against fraud.

(c) $0 in interest if you pay your full balance on time each month. Yes, that’s right; you won't pay a penny in interest as long as you pay off in full on or before your due date.

(d) A credit limit of up to $10,000 that is there when you need it.

(e) If you pay off your full balance and keep your account open, you won’t need to reapply, you can quickly access the cash when/if you need it.

With the Yendo Credit Card, you can get approved from the convenience of your smartphone and have access to revolving credit at a 24.99% APR (Annual Percentage Rate).

Is it an actual credit card?

Yes, and it’s powered by Mastercard. We report to the major credit bureaus.

How soon can I get my credit?

It’s your decision. You can have access to your credit within 24 hours or in about 5 days.

How many days do I have to repay?

You have 25 days after the end of your monthly statement to make a full payment with no interest (0%, that's right!). You can make payments at anytime, but if you do carry a balance, you will need to make a minimum payment of 3% or $50 (the greater of). We're here to help, so if you do need assistance making your minimum monthly payment, give us a call.

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 non-traditional alternatives like title loans.

Will this affect the ownership of my car?

No. Even though we become the lienholder, your car remains in your possession, and you will remain listed as the owner. Once you close your account, the lien is released, and the title is returned to you.

What vehicles can be used to apply?

We created Yendo to bring access, transparency, and clarity to the process of borrowing money when you need it most.

  1. Cars
  2. Light Duty Trucks
  3. Vans
  4. Sport Utility Vehicles (SUVs)

We only accept vehicles that are 1996 or newer and in working condition.

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 access to your credit line.

Is Yendo a secured credit card?

Not quite, but similar. A secured credit card requires money to be deposited to open an account. That money is known as a security deposit, and your credit limit is equal to the amount of that security deposit.

At Yendo, we know most people want financial mobility and a financial safety net. Yendo gives you the ability to use the equity in your vehicle to gain access to credit. The credit limit will be determined by the year, make, model and condition of your vehicle. We will also take your income into consideration to ensure you are able to afford the monthly payments.

Do I need to have a Social Security number in order to apply?

No, you can apply using either a SSN or an ITIN.

Can I sign up for the Yendo card if I am not a U.S. Citizen?

Of course! U.S. Citizenship is not a requirement for approval.

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 the minimum requirements to get approved for the Yendo Credit Card?
  1. Have a SSN (Social Security Number) OR an ITIN (Individual Taxpayer Identification Number)
  2. Have a valid email address
  3. Be at least 18 years old (19 in Alabama or Nebraska)
  4. Live in one of the 50 United States, D.C., or a U.S. military location
  5. Have a smartphone
  6. Have a valid government-issued photo ID (U.S or foreign), own your vehicle outright and have the title with you listed as the legal owner.
  7. Have a 1996 or newer working vehicle (runs and drives)
  8. Have an income that can support your monthly bill -- we don’t want you going into debt you can’t afford.
How does the application process work?

Visit Yendo.com and click "Get Started".

Pre-approval. Submit your basic information and your vehicle's information. The pre-approval step only takes a few minutes to complete.

  1. Download the Yendo App. Once pre-approved, you need to finish your application in our mobile app.
  2. Vehicle Verification. After sharing your vehicle and title details, you will need to validate your vehicle in our system with the help of our Yendo Smart Device that connects to your vehicle. You will have the option to receive the Yendo Smart Device by mail (free of charge) or you can request to receive it the same day (if you get approved, a fee for this expedited service will be applied to your first statement)
  3. Credit Card Activation. Once fully approved, you need to send us the vehicle title via secured mail from our shipping partner Fedex. We cover the cost of the secured shipment, so you only need to bring your phone and your title to the nearest Fedex store. Once you've mailed your title, you will be issued a virtual card for instant access to your credit line.
  4. Physical Card. We will ship your physical card to you once you’ve securely mailed your title. Our cards typically arrive within 7-15 days.

    If eligible in your area, the Yendo Smart Device and title submission process may be expedited through a courier service. If you choose this option, you could receive your virtual card the same day you apply. Fees may apply for this option.
What information do I need to provide in the application?

To apply you must provide some personal information to help us verify your identity.

  1. Full legal name, birthdate and mailing address
  2. Email address and Phone number
  3. SSN (Social Security Number) or ITIN (Individual Taxpayer Identification Number)
  4. Estimated income and expenses
  5. Pictures of your government issued ID, vehicle and title.

We use this information only for identity verification and repayment ability. We do not check your credit history. Your credit will not be affected by applying for an Yendo Credit Card.

You will also need to provide information about your vehicle and title

  1. Year, Make, and Model of your vehicle
  2. Mileage and condition
  3. Title information (title number, VIN and remarks)
I own multiple vehicles. Can I apply with more than one vehicle to increase my credit line?

Unfortunately, you are currently only able to link one vehicle at a time. We are working on the  ability to link multiple vehicles and allow a larger credit line.

Can I get approved even if I have bad credit or no credit?

Yes, you can get approved regardless of your credit score! We don’t check credit, and you can get approved as long as you meet Yendo’s other approval criteria. Our mission is to offer affordable credit access to everyone, regardless of their credit score.

I was pre-approved. Does that mean I will be approved to get the Yendo Credit Card?

Congrats! Pre-approval is good news and means you and your vehicle have met our initial screening criteria. However, you will still need to submit an application to see if you are approved.

There are some instances where you may be pre-approved but fail to qualify after submitting your application. This may happen, for instance, if we determine your vehicle has mechanical issues or if we are not able to verify your identity, among other factors. The only way to see for sure if you are approved is by submitting your full application.

What is the Yendo Smart Device?

The Yendo Smart Device is a small wireless device that plugs into your vehicle's onboard diagnostic port (OBD-II port). We'll ship you a device to verify your vehicle’s condition and help you manage your vehicle's health.

Do I need to keep the Yendo Smart Device plugged in at all times?

Yes, the Yendo device needs to stay plugged in so you can maintain access to your credit line. It’s okay to briefly remove the device so a mechanic can access the port, or if you need to reset the device, but under normal circumstances, we require that it stays plugged in.

What are the benefits of the Yendo Smart Device?

Here are some of the benefits you will get with the Yendo Device

  1. Save Money - quickly diagnose issues without visiting a mechanic
  2. Maintenance Reminders: Get reminded of important maintenance or needed repairs


How does Yendo help me build a credit history?

Yendo reports your account behavior to all 3 major credit bureaus. Each month, we let them know whether you have made your account payments on time and in full. Payment history is one of the largest factors considered in your credit score.If you miss your payments or make late or incomplete payments, we also report that to the credit bureaus. Such behavior can negatively impact your credit score.

I have seen that Yendo offers revolving credit, but what does that mean?

With Yendo you will have access to revolving credit. Think of it as a rechargeable battery.

Let’s say your card has a $1,000 credit limit and you make a $400 purchase. That means you have $1,000 less $400 — or $600 — in available credit. At this point, you can spend only $600 more on your card before you hit your limit.

However, let’s say you now pay $300 toward your balance. This raises your available credit to $900 ($600 plus $300). Now you can spend up to $900 on your card. In a sense, you’ve “recharged” your card’s spending power.

What are my payment terms?

A 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 greatest. Please note that penalties, such as late fees, may increase your minimum payment requirement.

I need access to cash. Can I do cash advances with the Yendo Card?

Yes! You are able to withdraw cash at an ATM using your Yendo Card. Keep in mind that cash advances immediately start accruing interest and the APR with cash advances is slightly higher. You can review our cardholder agreement here

Where can I use my Yendo card?

You can use your Yendo Card anywhere MasterCard is accepted in the US and internationally.

Your new credit card is in sight.

Access up to $10k in credit monthly with Yendo.

get started