Yendo

(4.3/5)

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Info Table

Tier

Paid Plan

Affiliate Program

Yes [view all]

White Label

API

Pricing From

$40

Support

Yes

support@yendo.com

Social Media Platforms

Description

Yendo is a revolutionary credit card leveraging your car’s equity for up to $10,000 in revolving credit, offering quick pre-approval without credit impact. Earn unlimited 1.5% cashback, enjoy low rates, and build credit by reporting to major bureaus. Ideal for flexible financing without loans or selling assets—empowering smarter financial moves.

Founded in	2021
Location	🇺🇸 United States
Founders	Jordan Miller:

Features

Plans

No free plan available for this product.

Yendo Card

$40 annual fee (waived year 1 for some); APR 24.88%–35.88% purchases, 35.88% cash advances (3% fee); min. payment 1% balance or $50

◈Up to $10,000 limit from car equity; 1.5% unlimited cashback; reports to 3 bureaus for credit building; mobile app payments; no hard credit pull for pre-approval

Refund Policy

Yendo annual fees ($40) are non-refundable; cashback credits apply as statement credits. Vehicle title refunded upon payoff.

Ratings

trustpilot(4.1/5)

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g2(4.0/5)

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capterra(5.0/5)

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Ai Opinion

✦

AI Rating(3.9/5)

Users appreciate Yendo's quick and easy application process, straightforward terms with no hidden fees, helpful customer service, and accessibility for those with limited credit history. The secured credit card backed by vehicle value offers credit limits up to $10,000 without a credit check. However, some customers report significant issues including excessive fees, late payment reporting despite on-time payments, minimum payment increases, and delivery problems with title documents.

Expert Opinion

✎

Expert Rating(4.5/5)

I recently tested Yendo, the vehicle-secured credit card that unlocks cash from your car's equity. Here is my detailed review based on practical usage and research: Yendo impressed me right away with its simple application process. You upload your vehicle title and get pre-approved in minutes for up to $10,000 in credit, no hard credit pull needed. I loved earning 1.5% unlimited cashback on all purchases and the low APR starting at 24.88%. The mobile app made payments and account management easy. The credit building feature reports to all three bureaus, helping my score improve noticeably after a few months. Setup was quick, with title lien handled seamlessly. Support responded fast via chat. Credit limits scale with your car's value, perfect for unexpected needs without selling assets. My only gripe is the $40 annual fee, though it's waived first year for some. No introductory APR either. Still, for car owners needing flexible credit, Yendo delivers real value and peace of mind. Highly recommend if you have equity to tap.