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Virtual card before your physical card arrives
Our virtual card lets you quickly access your credit while your physical card is shipped to you. You can use it online or with Apple, Google or Samsung pay.
Your car's value = access to money
Use the value of your car to get quick access to the funds you need.

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Your Yendo Credit Card is just 3 steps away.

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See why our cardholders love us!

Check our review page for more detailed reviews from our users.

"I just got my new credit card emailed today and it looks great. My son uses the program and that’s how I heard about it and it worked out great for me and it can for you, too."

Dave M.

Submitted Review*

"The interest rate is reasonable, it is actually a line of credit and you get a little credit card, and once you pay it off you get your title back. It was super easy and you can do everything online on the app on your phone and it is great. I highly recommend it."*

Wendy B.

Submitted Review*

"I just wanted to give a shoutout to Yendo. The process is super simple and easy, all you gotta do is download the app and take couple pictures and then your line of credit is available."*

Stephen M.

Submitted Review*


"I’d definitely recommend Yendo app, everything was fast and the approval process was fast. It was actually amazing, and definitely came right on time. So i definitely encourage and strongly advise you and your friends to try the Yendo app."*

Kalaya L.

Submitted Review*

"They make it so easy, they build credit, you get the money instantly, and it is easy to pay, what more could you say? Go ahead and do it and get it done."*

Garret A.

Submitted Review*

"It was a very easy process, super quick to fill out, they verify the information almost instantaneously. And once I had my title at Fedex, and it was way less than the 2-hour time frame they gave to have the money in the account and the virtual card that I can use right away. You can even add that to your apple pay."*

Blake G.

Submitted Review*

"Yendo has been great, we were able to get the equity out of our vehicle, and exchange to the credit loan. Yendo has been great, the process very simple, the customer service has been A+. I appreciate Yendo and you will too."*

Christian P.

Submitted Review*

* Real Yendo customers were compensated for their honest review of Yendo


Does Yendo build my credit?
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Yes, Yendo helps you build your credit. We report to Experian, Transunion and Equifax credit bureaus.

What will my credit line be?
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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 many days do I have to repay?
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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?
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Yes, you can get approved regardless of your credit score! You can get approved as long as you meet Yendo’s other 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?
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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?
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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?
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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?
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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?
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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.

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