Applying for the Yendo credit card is as simple as 1, 2, 3

Learn how Yendo lets you use your car to access up to $10,000 in credit. Let your car help you pay the bills, make a big purchase or have funds available just in case.

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How Yendo works in 3 steps

Car paid off
Making payments

Get pre-approved

Fill out some information about you and your car and you can get pre-approved in 2 minutes with no impact to your credit score.

Verify yourself and your car

Once pre-approved, verify your information by taking photos of your car and ID. Keep your phone handy!

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Access your money

After approval and completing the card activation process, you'll access part of your credit with a virtual card while your physical card is mailed. Activate it for full access.

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Get pre-approved

Fill out some information about you and your car and you can get pre-approved in 2 minutes with no impact to your credit score.

Transfer your loan

When you digitally transfer your existing auto loan to Yendo, the full application process takes minutes to complete.

Access your money

After approval, you'll get access to part of your credit limit with our virtual card while your physical card is mailed to you. Activate it once it arrives and you'll get access to your full credit limit.

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Here’s what you might get*

CAR 1
CAR 2
CAR 3
Car model
Honda Accord
Car year
2014
Car Value
$8,850
Mileage
112,065 Miles
Maximum credit limit

$4,690

Why would my limit be lower than my car value?
Credit limit is determined by the car value (based on the make, model, mileage, and condition), your ability to pay (based on your income and expenses) and credit history.
Car model
Ford F150
Car year
2014
Car Value
$5,500
Mileage
166,069 Miles
Maximum credit limit

$2,300

Why would my limit be lower than my car value?
Credit limit is determined by the car value (based on the make, model, mileage, and condition), your ability to pay (based on your income and expenses) and credit history.
Car model
Honda Accord
Car year
2018
Car Value
$20,225
Mileage
68,000 Miles
Maximum credit limit

$10,000

Why would my limit be lower than my car value?
Credit limit is determined by the car value (based on the make, model, mileage, and condition), your ability to pay (based on your income and expenses) and credit history.
*Example scenarios only

Factors that impact your credit limit

Your credit limit is determined by a variety of factors that include your unique vehicle’s make, model, mileage, trim, and year as well as your individual credit history. We also want to be sure you have the ability to pay back each month, so we also consider your current income and expenses.

Your Vehicle

Your vehicle is your key to credit. So, we look at the year, make and model and its value to determine the appropriate credit limit for you.

Your Credit History

We don’t use your credit score as part of the application process, but do look at your credit history to help determine if you’re pre-approved, your credit limit and finally if you’re approved

Your Income and Expense Ratio

We want you to succeed, so ensuring you are able to pay is important. We take into account your income and expenses to help determine if you qualify for the card

How Yendo calculates your minimum payment

Yendo's payment estimator helps you calculate your approximate minimum payment. Simply enter your statement balance,  so you can plan ahead with confidence.

About the Payment Estimator. Minimum payments shown are approximate and assume full credit utilization, with a minimum payment calculation of 1% of card balance + fees and/or finance charges, as applicable. Your minimum payment could be higher or lower based on how much and when you spend during your statement cycle, any payment activity, and fees (such as returned payment or late fees). See Yendo’s Cardholder Agreement, which is available upon approval, for a full description of how we charge interest and calculate minimum payments.

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1% of statement balance

$0

Annual fee

$40

Approximate Interest

$40

Approximate minimum payment*
Assumes no fees on statement
Assumes no cash advances during month

$0

What is vehicle equity?

Generally, vehicle equity is the difference between the value of your car and how much you owe on your car. We’ve created a guide to help you better understand what vehicle equity is, so you’re comfortable applying for the card.

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Benefits of having the Yendo credit card

If you have a car fully paid off

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You no longer have any outstanding payments on the loan, and you own the vehicle in full.

Get up to $10,000 credit limit

Build your credit with on time monthly payments

Same-day access

If you’re making payments to your car

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You are regularly paying installments toward the loan you took out to buy the vehicle, until the total amount borrowed, including any interest, is fully repaid.

Reduce your monthly auto loan payment

Get additional spending power/increase your available credit as your pay down your auto loan

Same-day access

We’re here to help

Have questions about how Yendo works? We’ve got you covered.

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Does Yendo build my credit?
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With responsible usage, Yendo can help build your credit. We report to Experian, Equifax, and TransUnion.

Is it an actual credit card?
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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 soon can I get my credit?
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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.

Is Yendo a secured credit card?
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Not quite, but similar. A secured credit card requires money to be deposited to open an account. That money is known as a security deposit, and your credit limit is equal to the amount of that security deposit.

At Yendo, we know most people want financial mobility and a financial safety net. Yendo gives you the ability to use the equity in your vehicle to gain access to credit rather than sending in a cash deposit. The credit limit will be determined by the year, make, model and condition of your vehicle. We will also take your ability to repay into consideration to ensure you are able to afford the monthly payments. Yendo credit limits are typically much higher than cash secured credit cards and don't require any investment from you.

What will my credit line be?
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Yendo Credit Cards have credit lines ranging from $450 up to $10,000. Your credit line depends on the make, model, mileage, and condition of your vehicle and your ability to repay.

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Learn more about Yendo

What is vehicle equity?

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Yendo’s vehicle id verification process

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Yendo’s Title Submission and Title/Lien Release Process: A Complete Guide

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Apply today

Access up to $10,000 in credit with Yendo.