Comparison

Delay It vs Yendo

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Delay It

This app helps you compare the cost of borrowing money with the potential returns of investing. It calculates loan payments and then shows how much interest you could earn by investing that same amount.

Highlights
  • Loan payment calculation
  • Investment earning simulation
  • Interest cost comparison
  • Financial planning tool
Features
Read full description

Want to borrow money for a new car? What if you delayed your gratification and invested the monthly payment instead. For example, if you knew you could afford $525 per month for a new car, do you know how much interest you would pay the bank versus how much interest you would earned if you invested the money instead? Delay It makes it easy to calculate a loan payment on one tab and then consider that payment as an investment on another tab.

About

Yendo

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.

Highlights
  • 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
Features
Read full description

Yendo is the world's first credit card based on the value of your car. Quick, easy, and flexible, Yendo provides up to $10,000 in revolving credit without the high rates and hassle of a loan. UP TO $10,000 - Yendo provides revolving lines of credit up to $10,000 based on the value of your car. GREAT RATES - Smarter technology built by people who care means lower interest rates. See our current APRs on https://www.yendo.com. BUILD CREDIT - Yendo reports to the three major credit bureaus. STAY IN CONTROL - With our Yendo app, you can manage your credit card activity, review previous purchases, and freeze your card ABOUT - At Yendo, we believe everyone should have access to fair and affordable credit. We understand life can be unpredictable, and the right financial partner can help you navigate the twists and turns. With our Yendo Credit Card, you can get up to $10,000 at an affordable rate by using the equity in something you already own - your vehicle! And we report to the three major credit bureaus, which can help you build the credit you need for a more secure financial future. INCREDIBLE - You actually read this far, thanks! We can't wait to grow with you! Yendo credit cards are issued by Cross River Bank, Member FDIC, pursuant to license from Mastercard International.

Screenshots

Delay It3 screens
Yendo4 screens

Verdict

The call

The clearest difference is review sentiment: Delay It at 100% against Yendo's 51%. Delay It also leads on rating (5.0 vs 4.8). Yendo's advantage is update cadence (every 2 days vs every 12 months) and ratings volume (4.4K vs 7). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Delay It holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Yendo has 4.4K ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 100% of Delay It's written reviews are positive against 51% of Yendo's.

UpkeepUpdate frequency

Delay It ships an update every 12 months, Yendo every 2 days. The most recent releases landed on October 2, 2026 and October 14, 2026 respectively.

Scorecard5 real differences · 5 level
Delay It versus Yendo: the parameters behind the verdict, then further details
ParameterDelay ItYendo
PriceFreeFree
Rating5.0 (7 ratings) — better4.8 (4.4K ratings)
Positive reviews100.0% of reviews — better50.7% of reviews
Number of ratings74.4K — better
Update frequencyEvery 12 monthsEvery 2 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS17.015.1 — better
Further details — not scored
Size5 MB181 MB
Age rating4+4+
DeveloperAnimated Bit LLCYendo Inc.

Customer experience

Delay It

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews7 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Yendo

All ratings4,371 ratings
Positive96.7%
Neutral1.3%
Negative2.0%
Written reviews136 reviews
Positive50.7%
Neutral3.7%
Negative45.6%

Bugs and requests

Delay It

Not enough reviews yet to summarise bugs or requests.

Yendo

Reported bugs

5 issues
  • Constant app crashes and freezes
  • Issues with identity verification
  • Inaccurate transaction history and balances
  • Inability to update personal information
  • Delayed title return after loan payoff

Requested features

5 requests
  • Improve app stability and functionality
  • Provide more transparent pricing and fees
  • Enhance customer communication and support
  • Streamline the account activation process
  • Integrate with popular payment platforms

In-app purchases

None

Delay It

No in-app purchases

None

Yendo

No in-app purchases

Questions

Is Delay It free?
Delay It is free to download, with no in-app purchases.
Is Yendo free?
Yendo is free to download, with no in-app purchases.
Which has better reviews, Delay It or Yendo?
Delay It is rated higher. Delay It averages 5.0 out of 5 from 7 ratings, while Yendo averages 4.8 from 4.4K ratings.
Do Delay It or Yendo have ads?
Neither Delay It nor Yendo shows ads.
Which is updated more often, Delay It or Yendo?
Delay It ships an update every 12 months, and Yendo every 2 days. Most recently, Delay It was updated on October 2, 2026 and Yendo on October 14, 2026.

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