Yendo

Yendo

Credit Backed By Your Car

3.4K ratings
131 reviews
Free

Details

  • Released
  • Updated
  • July 23, 2022
  • July 21, 2026

Features

Yendo screenshot #1 for iPhone
Yendo screenshot #2 for iPhone
Yendo screenshot #3 for iPhone
Yendo screenshot #4 for iPhone
Yendo screenshot #5 for iPhone
Yendo screenshot #6 for iPhone
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About

Access revolving credit up to $10,000 using your car's equity. Get approved quickly with competitive rates and build your credit history by reporting to major bureaus. Manage your account easily through the app.

Credit up to $10,000 based on car value
Revolving credit line
Lower interest rates
Build credit history
Report to major credit bureaus
Manage account via app
Freeze card
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What users say

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+1

What's New in Yendo

1.47.402

July 21, 2026

Bug fixes and improvements

User reviews

Lifesaver

Been on the bad luck streak lately and Yendo couldn’t have popped up in my face at a better time. Although I had to wait for the title process it’s worth it. 100%

So far so good

I don’t know about the negative some are so crazy 1 I read said they had not paid in 4 months and got it repod what did they think would happen?
And that was the least crazy

Rating

The app is easy to follow and explains what i need to know.

Very disappointing

Very disappointing experience with Yendo.

I moved forward with the application after receiving a prequalification offer around $6,000 and hearing repeated statements that the approval was primarily based on the vehicle and did not involve credit checks. My vehicle is worth over $10,000, owned free and clear, in great condition, and all of the information I submitted was accurate from the beginning.

After completing the process, correcting a minor plate entry issue, and speaking with supervisors, the final offer was reduced to only $450 at nearly 30% APR while still requiring a lien on my vehicle title.

What made the experience worse was that no one could clearly explain why the amount changed so drastically. I was later told factors like “creditworthiness” and “ability to repay” were considered, which felt inconsistent with how the product was presented during the application process.

In my opinion, the prequalification process was very misleading compared to the final offer. I ultimately declined because putting a lien on a vehicle worth over $10,000 for a $450 line simply did not make sense for me.
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Please Read before you download this app

Crooks who pray off your downfall and helplessness. They have erased this 3 times now but I’ll keep posting. Long story short I was hospitalized for a newly diagnosed disease that hospitalized me for a few weeks leaving me to fall behind on 2 months payments. When I called to send documents on my situation and work out a payment plan I was told my car got repoed and I needed to pay $300 to get it back as I was only behind in payments under $200. They only gave me a few days to get the money and I was one day past their deadline so when I called to pay they told me I needed to pay over $1300 now and they couldn’t do anything to help me out or fix it. 2 weeks later when I called to pay it was now suddenly over $3000 then I had to pay fees on top of that to get my vehicle back or it was going to be taken to auction and I’d get the difference after all that was paid back from the balance. A week later my vehicle worth $30000 and all my only asset was 2 states over and sold for $14000. It wasn’t quite a year old. After a lost check which added another month to the wait cause they refused to reissue me another until 30 days passed they used the same carrier to send me the difference of my asset $12000 that took 8 months in total to receive and I was without transaction when I needed it the most. You decide now to use them but just keep in mind life happens and is it worth the risk when the company won’t work with you and profits off your downfall you had no control over. I was already a customer with them for a year. I had paid off my max credit with them of 2000 completely just months before this. They took advantage of me to profit. They didn’t care! Don’t show any sympathy or grace for the situation and when I had the money to pay they added more both times making this unobtainable and impossible for me to pay causing me hardship and great loss. Just sad and unbelievable when in reality I owed under $300.00.
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User experience

🐞

Reported Bugs

5 issues

Constant app crashes and freezes

Bug

Issues with identity verification

Bug

Inaccurate transaction history and balances

Bug

Inability to update personal information

Bug

Delayed title return after loan payoff

Bug

Requested Features

5 requests

Improve app stability and functionality

Feature

Provide more transparent pricing and fees

Feature

Enhance customer communication and support

Feature

Streamline the account activation process

Feature

Integrate with popular payment platforms

Feature

FAQ

What is Yendo?

Yendo is a credit card service that uses the equity in your car as collateral. It offers revolving credit lines up to $10,000 with competitive interest rates. The service aims to provide fair and affordable credit to individuals who may have difficulty accessing traditional credit options.

How does Yendo help build credit?

Yendo reports your payment activity to the three major credit bureaus (Equifax, Experian, and TransUnion). Responsible use of the Yendo credit card can help improve your credit score over time, making it easier to access future financial products.

What are the costs associated with Yendo?

Yendo offers lower interest rates compared to traditional loans. Specific APRs can be found on their website. The app itself is free to use for managing your account. There are no in-app purchases or ads mentioned.

How can I manage my Yendo credit card?

You can manage your Yendo credit card activity through the dedicated Yendo app. This allows you to review past purchases, monitor your credit line, and freeze your card if needed for security purposes.

Who is Yendo for?

Yendo is designed for individuals who own a vehicle and want to access credit or build their credit history. It's a good option for those seeking an alternative to traditional loans or credit cards, especially if they have a car with available equity.