Get pre-approved
Complete our quick and easy pre-approval process online in minutes. On average, most people are pre-approved in 3 minutes. And don’t worry, checking your offer won’t impact your credit!
How it works
How does Yendo work? Use your car to access up to $10k in credit.
Get pre-approved
Complete our quick and easy pre-approval process online in minutes. On average, most people are pre-approved in 3 minutes. And don’t worry, checking your offer won’t impact your credit!
Verify yourself and your car
Once you’re pre-approved, submit a few photos to verify yourself and your car and then:
If you have a full ownership to your car,
mail your title through our Fedex partners.
If you are currently paying down your auto loan,
digitally transfer your existing loan to Yendo.
Access your money
After we verify your title is mailed or your loan is transferred, instantly access your virtual credit card. Once your card arrives, activate it and you'll have access to your entire credit line. And, since we're a credit card, there's no need to re-apply. Use your credit line for every day purchase, big purchases, or just have ready in case you need it for an emergency.
Manage your credit card and its balance with the Yendo app
Get reminders
We’ll help you plan and prepare for upcoming payments. Keep in mind, with responsible usage, the Yendo card can help you build credit too.
Plan ahead
Keep track of your finances and pay on-time. Have the peace of mind you need with the Yendo app just a few taps away.
Talk to us
You’re not in this alone. Call or message us through our app when you need help. Everyone needs a little help sometimes and our Customer Succss team is here to do just that.
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 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.
Can I get approved even if I have bad credit or no credit?
You can get approved as long as you meet Yendo’s other approval criteria. Our mission is to offer affordable credit access to everyone.
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 3-7 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 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.
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 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.
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.