Getting started

You can pay off your Yendo card balance early without any penalties. In fact, paying off your balance in full before the due date each month helps you avoid interest charges and can improve your credit score.

Yendo offers a credit card backed by your vehicle, which provides more flexibility than a payday or title loan. You only pay interest on what you spend, and there’s no lump-sum repayment requirement like payday loans. Yendo also helps build your credit by reporting your payment history to the credit bureaus, which most payday or title loans do not.

Yes, if you're not satisfied with the credit limit based on your current vehicle, you can reapply using a different vehicle. However, you’ll need to close your current application before starting a new one.

Yes, Yendo allows applicants to apply even if their vehicle has an existing loan. However, we will need to assess the remaining balance on your auto loan, and this may affect the credit limit that Yendo can offer.

Yes, self-employed individuals or those with irregular income are welcome to apply for the Yendo card. As long as you can demonstrate that you have the means to meet your financial obligations, you can be considered for approval.

If you’re facing financial difficulties, contact Yendo’s customer support as soon as possible. We may be able to offer assistance, such as extending your due date or setting up a payment plan. It’s important to communicate early to avoid late fees or further credit impact.

Yes, you can use your Yendo card for recurring payments, such as subscriptions or utilities. Just add your card information to the merchant's billing system, and they will automatically charge your card according to their schedule.

The Yendo card has an APR of 29.88% for purchases, cash advances, and balance transfers. Interest starts accruing immediately for cash advances and balance transfers, but you can avoid interest on purchases if you pay your full balance by the due date each month.

Yendo is currently available in select states. Please visit the Yendo website or check the app to see if we are operating in your state. We are continuously expanding to offer our services in more areas.

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No, applying for Yendo is free, and there are no upfront fees. Once approved, your account will have an annual fee of $40, which will be charged after your first transaction. Other fees, such as late payment fees or cash advance fees, only apply based on how you use the card.