Get pre-approved
Complete our quick and easy pre-approval process online in minutes. Once you’re pre-approved (wahoo!) you’ll submit an application through the Yendo app that includes photos of your car and title.
HOW yendo WORKS
Using your car to access credit has never been easier with the Yendo Credit Card
Get pre-approved
Complete our quick and easy pre-approval process online in minutes. Once you’re pre-approved (wahoo!) you’ll submit an application through the Yendo app that includes photos of your car and title.
Verify your car
You’ll submit photos of your car and its title to verify its condition and your ownership. Once your car is instantly verified and we receive your title at one of our 93,000 partner locations, you'll get access to your credit card.
Build your credit
Access money when you need it, and keep track of your monthly credit limit and spending with the Yendo app. As you make payments, you will build credit and look ahead to a stronger financial future.
It's easy to manage your credit card and its balance with the Yendo app
Get reminders
We’ll help you plan and prepare for upcoming payments.
Plan ahead
With our Yendo app, keep track of your finances and pay on-time.
Talk to us
You’re not in this alone. Call or message us through our app when you need help.
FAQs
Does Yendo build my credit?
Yes, Yendo helps you build your credit. We report to Experian, Transunion and Equifax credit bureaus.
What will my credit line be?
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.
How many days do I have 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 5% 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.
Can I get approved even if I have bad credit or no credit?
We don’t check credit for pre-approval and you can get approved if you meet our approval criteria. Our mission is to offer affordable credit access to everyone, regardless of their credit score.
How soon can I get my credit card?
Yendo customers can have access to their virtual credit card within 30 minutes of completing the approval process. 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 5-7 days.
If I miss a payment, do I lose my car?
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.
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 continued access to your credit card when or if you wish to use it.
What are my 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 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 3% of your statement balance or $50, whichever is greater. Please note that penalties, such as late fees, may increase your minimum payment requirement.
What is overlimit?
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.