Emergency Loan Alterantive
Use your car to get fast access to money
If you're considering an emergency loan because you need cash fast, you can use your car to get up to $10k in credit with the Yendo credit card. The virtual card gets you access to part of your limit prior to the card arriving in the mail, too.
The Yendo Card
Yendo is the first credit card that's backed by the value of your car. The card can provide access to credit for those who might not be able to qualify for other credit cards. It's a real credit card, powered by Mastercard, that provides credit limits from $450 - $10,000, that can provide you with access to ongoing funds, so you don't need to re-apply. Use the card as you need it, and, if you pay off your balance on time, you won't pay interest.
So, rather than having to re-apply for loans, for example, you can access funds up to your credit limit on an ongoing basis and, with responsible usage like on-time payments, build your credit too.
Features & benefits
- Credit limit - access up to $10,000 in credit. Average limit of $4,400
- App - the Yendo app let's you manage your account, wherever you are
- Virtual card - access a portion of your credit limit prior to getting your physical card in the mail with the Yendo virtual card. You can continue to use your virtual card even after your physical card arrives as well
- Cash advances - ability to do cash advances on your card in case you need cash quickly
- All scores welcome to apply - you don't need perfect credit to apply for Yendo
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What to consider with emergency loans in Atlanta
What Are Emergency Loans?
Emergency loans are designed to help you out when life throws a financial curveball — whether it’s a surprise medical bill, a car that breaks down, or home repairs that can’t wait. These loans can be a way to get quick cash when your budget isn’t enough to cover an unexpected expense.
When considering an emergency loan, it’s important to shop around. Pay attention to interest rates, fees, and the repayment terms. Also, only borrow what you need and know you can pay back to avoid getting trapped in a cycle of debt. If possible, see if friends, family, or your savings can help out first—those options might cost you less in the long run.
You can get emergency loans from a variety of places, like banks, credit unions, or online lenders. Here are a few things to know about how they work:
• Quick Application & Approval: Emergency loans are typically processed fast, with some lenders approving and disbursing funds in just a few hours or days.
• No Collateral Needed: Many emergency loans are unsecured, meaning you won’t have to put up your car or home as collateral. However, because there’s no collateral, the interest rates can be a bit higher.
• Interest Rates Vary: The interest rate you get depends on your credit score. If your credit isn’t great, your rates can be on the higher side. But if your credit is better, you might get a lower rate.
• Flexible Repayment Options: Some lenders offer flexible ways to repay, like deferred payments or longer loan terms, which can help make the loan easier to manage.
See why our customers love us!
"Yendo was quick and easy.I recommend Yendo to anyone who will listen. I'd say at least try the process. You'd be very happy.”*
"If you're looking for that credit that you've not been able to come up with, Yendo is probably exactly what you're looking for."*
"I heard about Yendo through a friend from the start through the application process, through the funding was very quick and very pain free."*
FAQs
With responsible usage, Yendo can help build your credit. We report to Experian, Equifax and TransUnion.
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.
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 1% 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.
You can get approved as long as you meet Yendo’s other approval criteria. Our mission is to offer affordable credit access to everyone.
Most Yendo cardholders have access to their virtual credit card within an hour of completing their application and mailing their title. 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 3-7 days.'
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.
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 within 10 days of payoff - please note that there may be some situations outside of Yendo's control, such as DMV processing timelines, that could extend this timeframe. 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.
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 1% of your principal balance or $50, whichever is greater. Please note if you have interest or fees charged to your account, these will be added to your minimum payment due.
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.