Getting started

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? Paying early can reduce your interest, and if you pay your statement balance on or before your due date every month, you'll pay zero interest on your purchase balance. In the event you don’t wish to pay off your full balance, our minimum payment is 1% of your statement balance or $50, whichever is greater. Please note that penalties, such as late fees, may increase your minimum payment requirement.

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.

Yendo reports your account behavior to Equifax, Experian and TransUnion. 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.

No, your initial credit line will be limited to 40% of your approved credit line, not to exceed $1500, until we confirm your title has been sent.

Autopay is a service that helps you make your credit card payments on time each month and avoid late fees. Through our Yendo mobile app, you set up monthly payments via your linked account.

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.

All credit is welcome to apply. We take into account a variety of factors, including but not only your credit history, when making our credit decision. We do not know or use your credit score.NOTE: your credit score will only be impacted if you accept our offer.

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.

Visit Yendo.com and click "Get Started". You can get pre-approved in minutes.

1. Pre-approval. Enter your basic personal information and share details about your vehicle and receive a pre-approval offer in minutes.
2. Vehicle Information. Once pre-approved, you will need to download our app and validate your vehicle in our system by submitting real-time photos of your vehicle and your title.
3. Personal Information. After sharing your vehicle and title details, you will need to share a few details and submit a valid ID, so we can verify your identity.
4. Credit Card Activation. Once fully approved, you need to send us your 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, ID, and your title to the nearest Fedex store. Once your shipment is verified, you will be issued a virtual card for quick access to your credit line, and your physical card will arrive in the mail in 7-10 days.

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• Have a SSN (Social Security Number) OR an ITIN (Individual Taxpayer Identification Number)
• Have a valid email address
• Be at least 18 years old (19 in Alabama)
• Live in one of our eligible states
• Have a valid government-issued photo ID (U.S or foreign)
• Own your vehicle outright or have an auto loan on your vehicle
• Have your vehicle’s original title with you listed as a legal owner
• Have a 1996 or newer working vehicle (runs and drives)
• Have an income that can support your monthly obligations — we don’t want you going into debt you can’t afford

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