Use the power of your home to unlock credit

The Yendo Homeowner Credit Card is designed specifically for homeowners. It works like a regular Mastercard©, but uses the fixtures in your home as collateral to help you get credit.

Unlimited 1.5% cashback rewards

Use the fixtures in your home to unlock credit

Fast access with the virtual card and cash advances

Why apply for the Yendo Homeowner Mastercard®?

Yendo offers a credit card built for homeowners, secured by what’s already inside your home.¹

Cash

Powered by your property

Get a higher credit limit with a card secured by home fixtures like lights, cabinets, and vanities.

No impact to credit for pre-approval

Check your offer in 2 minutes, with no impact to your credit score.

Faster and Easier

Unlike HELOCs, Yendo doesn’t place a lien on your full home. Get approved fast—secured only by fixtures.

Instant access to your virtual card

Use a portion of your credit immediately with a virtual card before your physical one arrives.

Your Yendo Credit Card is just 3 steps away.

Your Yendo Credit Card is just 3 steps away

1. Check your offer
Complete our simple pre-approval process online in 2 minutes - don’t worry, seeing your offer will not impact your credit!
2. Verify yourself
Once pre-approved, quickly verify your home's information and your ID. Keep your phone handy!
3. Access your money
After approval, you'll get access to a virtual card while your physical card is mailed to you.

All credit scores welcome to apply

Take control of your finances with a second chance at credit, using your home fixtures. You have equity in your home, you've earned the chance to use it.

Looking to build or rebuild your credit?

We report to the 3 major credit bureaus monthly to help you build credit over time.

Looking to build or rebuild your credit?

We report to the 3 major credit bureaus monthly to help you build credit over time.

FAQs

What is the Homeowner credit card?
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The Yendo Homeowner Credit Card is designed specifically for homeowners like you. It works like a regular Mastercard©, but uses the fixtures in your home as collateral to help you get credit.

What can the card be used for?
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Your Homeowner Card works just like any credit card—no restrictions! Use it anywhere Mastercard® is accepted, whether it's for groceries, gas, or a getaway.

What are fixtures?
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You may have heard of something called a “UCC” if you’ve ever applied for a loan, especially one that uses your car or other property as collateral. UCC stands for Uniform Commercial Code, and it’s a set of rules that helps make doing business easier across the U.S..

You can learn more about UCC-1 filings with our useful blog post here!

What is the difference between this and a HELOC?
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The Yendo Homeowner Card is a credit card, not simply a line of credit. Additionally, the Yendo card is secured by the features in your home rather than the entire home.

Apply today

Pre-approval decision in 2 minutes with no impact on your credit.