Yendo vs TomoCredit
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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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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.
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.
- Up to $30,000 credit line
- 24 months of bill tracking
- Instant credit boost
- Rent reporting
- AI financial assistant
- Dispute negative remarks
- Credit monitoring
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Yendo | TomoCredit |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (4.7K ratings) — better | 3.5 (579 ratings) |
| Positive reviews | 50.7% of reviews | 67.2% of reviews — better |
| Number of ratings | 4.7K — better | 579 |
| Update frequency | Every 2 days — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 181 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | Yendo Inc. | TomoCredit Inc |
Customer experience
Yendo
TomoCredit
User reviews
Yendo
From 4.7K App Store ratingsWhat 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 ratingsWhat 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
Yendo
No in-app purchases
TomoCredit
No in-app purchases








