Comparison

Yendo vs TomoCredit

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

Head to head
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.

About

TomoCredit

This app helps you build and manage your credit score. It offers features like rent reporting, bill tracking, and an AI financial assistant to provide personalized advice and improve your financial health.

Highlights
  • Up to $30,000 credit line
  • 24 months of bill tracking
  • Instant credit boost
  • Rent reporting
  • AI financial assistant
  • Dispute negative remarks
  • Credit monitoring
Features
Read full description

Build Your Credit with Tomo Unlock your financial potential with Tomo, the ultimate platform for credit building and financial empowerment. Whether you're looking to improve your credit score, manage your bills, or gain deeper insights into your financial health, Tomo has you covered. Key Features: Up to $30,000 Credit Line Access a substantial credit line to enhance your purchasing power and build your credit history. 24 Months of Bill Tracking Keep track of your bills effortlessly and ensure timely payments with our comprehensive bill tracking system. Instant Credit Boost See an immediate improvement in your credit score with our instant credit boost feature. Rent Reporting Get credit for paying your rent on time! Our rent reporting service helps you build credit with your monthly rent payments. AI Financial Assistant Receive personalized financial advice and insights from our AI-powered assistant, guiding you to better financial decisions. Priority Support Enjoy dedicated and priority customer support for all your financial inquiries and issues. In-Depth Credit Report Get a detailed view of your credit profile with our comprehensive credit reports. Dispute Negative Remarks Challenge and remove inaccurate or negative remarks from your credit report with our dispute resolution service. Credit Monitoring Stay on top of your credit with real-time monitoring and alerts for any changes to your credit profile. Support for All Major Bureaus Benefit from our support for all major credit bureaus, ensuring your credit information is accurate and up-to-date. No Hard Credit Pulls Check your credit and utilize our services without any hard inquiries that could negatively impact your credit score. Take control of your financial future with Tomo. Download now and start building a better credit profile today!

Screenshots

Yendo4 screens
TomoCredit4 screens

Verdict

The call

The clearest difference is rating: Yendo at 4.9 against TomoCredit's 3.5. Yendo also leads on update cadence (every 2 days vs every 2 weeks) and ratings volume (4.7K vs 579). TomoCredit's advantage is review sentiment (67% vs 51%). 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

Yendo holds the better App Store score, 4.9 against 3.5. That said, the two scores are not equally well evidenced: Yendo has 4.7K ratings behind it against 579, so its average is the more settled of the two. Written reviews complicate that: 51% of Yendo's written reviews are positive against 67% of TomoCredit's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Yendo ships an update every 2 days, TomoCredit every 2 weeks. The most recent releases landed on October 30, 2026 and October 27, 2026 respectively.

Scorecard4 real differences · 6 level
Yendo versus TomoCredit: the parameters behind the verdict, then further details
ParameterYendoTomoCredit
PriceFreeFree
Rating4.9 (4.7K ratings) — better3.5 (579 ratings)
Positive reviews50.7% of reviews67.2% of reviews — better
Number of ratings4.7K — better579
Update frequencyEvery 2 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.1
Further details — not scored
Size181 MB51 MB
Age rating4+4+
DeveloperYendo Inc.TomoCredit Inc

Customer experience

Yendo

All ratings4,517 ratings
Positive96.8%
Neutral1.2%
Negative2.0%
Written reviews136 reviews
Positive50.7%
Neutral3.7%
Negative45.6%

TomoCredit

All ratings392 ratings
Positive61.2%
Neutral0.3%
Negative38.5%
Written reviews516 reviews
Positive67.2%
Neutral1.4%
Negative31.4%

User reviews

Yendo

From 4.7K App Store ratings

What we love

  • 💯 Excellent customer service
  • 🚀 Quick and easy application process
  • 🤝 Helpful and understanding staff
  • 👍 Flexible payment options
  • 🙌 Saved from predatory lenders

Room to improve

  • 🐛 Buggy and unstable app
  • 💸 Excessive fees and charges
  • 🤔 Unclear communication about account status
  • 🕰️ Slow response times from support
  • 🤯 Difficulty activating and using the card

TomoCredit

From 579 App Store ratings

What we love

  • 👍 Easy to use
  • 💡 Helpful credit consultations
  • 🚀 Clean, user-friendly design
  • 📈 Effective credit-building tools
  • 💰 Bonus cash back feature

Room to improve

  • 🚫 Failure to report to major credit bureaus
  • 💸 Expensive premium subscription
  • 🤖 Lack of responsive customer support
  • 🔁 Difficulty canceling subscriptions
  • ❌ Unreliable credit score improvements

Bugs and 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

TomoCredit

Reported bugs

2 issues
  • App update issues
  • Billing and subscription problems

Requested features

3 requests
  • Improved credit bureau reporting
  • More transparent pricing and service details
  • Enhanced customer support and communication

In-app purchases

None

Yendo

No in-app purchases

None

TomoCredit

No in-app purchases

Questions

Is Yendo free?
Yendo is free to download, with no in-app purchases.
Is TomoCredit free?
TomoCredit is free to download, with no in-app purchases.
Which has better reviews, Yendo or TomoCredit?
Yendo is rated higher. Yendo averages 4.9 out of 5 from 4.7K ratings, while TomoCredit averages 3.5 from 579 ratings.
Do Yendo or TomoCredit have ads?
Neither Yendo nor TomoCredit shows ads.
Which is updated more often, Yendo or TomoCredit?
Yendo ships an update every 2 days, and TomoCredit every 2 weeks. Most recently, Yendo was updated on October 30, 2026 and TomoCredit on October 27, 2026.

Other comparisons