# Yendo vs TomoCredit

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.

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.

## The numbers

| Metric | Yendo | TomoCredit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (4.7K ratings)](https://appshunter.io/ios/app/yendo/id1618517010/reviews)** | [3.5 (579 ratings)](https://appshunter.io/ios/app/tomocredit/id6504301873/reviews) |
| Number of ratings | **4.7K** | 579 |
| Positive reviews | 50.7% of reviews | **67.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 days** | Every 2 weeks |
| Monetization | Free | Free |
| Size | 181 MB | 51 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Yendo Inc.](https://appshunter.io/developer/1588177190) | [TomoCredit Inc](https://appshunter.io/developer/1481385909) |

## What reviewers say

### Yendo

[App page](https://appshunter.io/ios/app/yendo/id1618517010)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/tomocredit/id6504301873)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- App update issues
- Billing and subscription problems

**Requested features**

- Improved credit bureau reporting
- More transparent pricing and service details
- Enhanced customer support and communication


## Frequently asked 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.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*