The credit card powered by your car¹

With responsible usage, Yendo can help build your credit. They report to Experian, Equifax and TransUnion.

Your credit limit with Yendo will range from $450 to $10,000. The specific amount you receive will be based on a percentage of your vehicle's value, taking into account factors such as the year, make, model, mileage, and overall condition of your vehicle. Additionally, your ability to repay will also be considered to ensure that the credit line is secure and manageable for you.

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). Yendo is here to help, so if you do need assistance making your minimum monthly payment, please give them a call.

Yes, you can apply for the Yendo Credit Card even if you have bad credit or no credit. Yendo welcomes all credit backgrounds and takes into account various factors, including your credit history, when making credit decisions. However, it’s important to note that your credit score will only be impacted if you accept their offer.

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 business days.

Repossession is always our last option. We really don’t want to repossess any cars. As long as you keep your account in good standing, your vehicle is not at risk of repossession. To keep your account in good standing, you will need to make at least your minimum payment each month. Our minimum payments are more affordable than alternatives like title loans.

To help keep your account in good standing:

1. We have automated payment reminders that alert you to upcoming due dates.
2. We allow you to pay early.
3. We also have autopay that you can set up to ensure you pay on time.
4. We accept a variety of payment methods like debit cards, ACH, Cash, PayPal, Venmo, Google Pay and Apple Pay.

If things do come up and you are unable to pay, please reach out to us. We will do our best to work with you.

You can get your title back at any time by paying off your balance and giving Yendo a call to close your account. Once they verify that your balance is $0, Yendo will close your account and remove its lien from your title. They 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. You can also 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.

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, the 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.

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.

Yendo is designed for car owners that own a vehicle and are not currently financing the vehicle. If the car was financed, it should be paid off before applying for Yendo.

If you want to sell your car, then you'll need to close your Yendo account. The Yendo support team can help you with this. They’ll ensure your account is fully paid off and start the process for releasing Yendo's lien. Once their lien is released, you will be able to move forward with your sale while the DMV is mailing your title to you.