Credit score holding you back?

How the Yendo card helps you

• Credit when your score alone isn’t enoughYendo looks at your car’s value, your income and your credit together, not just your score.
• No cash depositYour car secures the card, so you don’t have to tie up cash like with a typical secured card.
• A limit up to $10,000³Based on your car’s value, your income and your credit.
• Spend in about 2 minutes²If approved, you may use a virtual card right after you accept: up to 40% of your limit, max $1,500, until your card arrives.
• Build your credit historyYendo reports to all three credit bureaus every month, so on-time payments can count in your favor.
• Keep driving your carNothing changes day to day. Still paying it off? You may still be eligible.
• 1.5% cash back⁴As a statement credit on eligible purchases when autopay is on.

Good to know: your car secures the card, so missed payments could put it at risk. It works best if you can pay at least your minimum every month.

When your score decides everything

• You apply for a card and get turned down because of your credit score.
• A secured card wants a cash deposit you’d rather keep.
• Short-term loans can come with steep fees.

There’s another way. If you own a car, Yendo looks at its value, your income and your credit together. So your score isn’t the only thing that counts.

Up to $10,000 in credit³. Part of it ready in about 2 minutes².

Yendo is a credit card secured by your car. If you’re approved, you may be able to use a virtual card about 2 minutes after you accept your offer, while your physical card is on its way. You keep driving your car.

1. Check your offer, in about 1 minute¹Answer a few questions about you, your income and your car. According to Yendo, checking won’t affect your credit score.
2. See your limit before you acceptIf you’re pre-approved, you see your credit limit, up to $10,000³. Accepting triggers a full credit check.
3. Use your virtual card in about 2 minutes²After approval and verification, eligible customers may use up to 40% of their limit, max $1,500, right away.
4. Get your full limitThe 40% cap applies until your physical card arrives by mail.

Before you apply: your car secures the card, and missed payments could put it at risk. Repay what you spend, like any credit card. Read Yendo’s terms for rates and fees. Full disclaimers

From first tap to card

Yendo vs. a typical secured card

Yendo details according to Yendo. “Typical secured card” is a general description; terms vary by card.

What you’ll need

• Basic details about you and your income.
• Your car’s details. Yendo handles the title transfer with your state’s DMV electronically, or you can mail it in.
• Still paying off your car? You may still be eligible. Yendo can refinance your auto loan in the same application.

Rated by real Yendo customers

How US law protects you as a cardholder

• Clear terms before you acceptUnder the Truth in Lending Act, the card’s rates and fees must be shown in a standard table. Read it before you accept.
• Notice before big changesUnder the CARD Act, you get at least 45 days’ notice before a rate increase or other major change, and in most cases you can reject it by closing the account and paying off the balance under the old terms.
• Time to payYour bill must reach you at least 21 days before the payment is due. No over-limit fees unless you agree to them, and payments above the minimum go to your highest-rate balance first.
• Dispute billing errorsUnder the Fair Credit Billing Act, write to the card company within 60 days of the statement. It must confirm within 30 days and finish its investigation within 90 days. You don’t have to pay the disputed amount meanwhile.
• Limited liability for fraudIf your card is used without your permission, federal law caps what you owe at $50.
• Fair treatmentUnder the Equal Credit Opportunity Act, you can’t be turned down because of race, color, religion, national origin, sex, marital status or age. If you’re denied, you have the right to know why.
• Your credit reportYou can check your reports for free at AnnualCreditReport.com and dispute any mistakes with the credit bureau.
• Your carBecause your car secures the card, Yendo’s terms and your state’s laws decide what happens if you stop paying, and those rules differ from state to state. Active-duty servicemembers may have extra federal protections.

Something wrong? Contact Yendo first. If that doesn’t solve it, you can file a free complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or contact your state attorney general.

General information about US federal law, not legal advice. Your state may give you more protections.

Before you decide

Before you apply

• Your car secures the card. Missed payments could put it at risk.
• Accepting an offer triggers a full credit check.
• Read Yendo’s terms for rates and fees.