Yendo
- Founded 2021
Yendo is a fintech company that offers asset-secured credit cards, using the value of a customer's vehicle or home fixtures as collateral to provide credit limits up to $10,000 for consumers who may not qualify for traditional credit products.
Perfect for
Yendo is best suited for individual consumers who need access to credit but may struggle to qualify for traditional credit cards due to limited or poor credit history. It is particularly well-suited for:
- Vehicle owners looking for an alternative to predatory title loans or payday lenders
- Consumers with low or no credit scores who want to build credit through responsible card usage
- Individuals who need quick access to funds (within minutes) for emergencies or everyday expenses
- Homeowners seeking a smaller credit line backed by home fixtures rather than the property itself
- People in states where Yendo operates who want a revolving credit line rather than a one-time loan
Key strengths
Asset-backed underwriting model provides credit access to consumers overlooked by traditional lenders, with limits up to $10,000
Extremely fast application process with pre-approval in about one minute and no credit score impact for checking offers
Instant virtual card access upon approval, compatible with Apple Pay, Google Pay, and Samsung Pay
Unlimited 1.5% cashback rewards on eligible purchases with autopay enrollment, plus automatic credit limit increase reviews
Transparent alternative to title loans with revolving credit, fixed APRs, and no requirement to surrender vehicle possession
Considerations
APR ranges from 24.88% to 35.88%, which is relatively high compared to prime credit cards
Not available in all U.S. states; geographic availability is limited to specific markets
A lien is placed on the vehicle title, preventing sale or trade-in without settling the account first
Only one vehicle per account is allowed, limiting credit expansion for multi-vehicle households
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About Yendo
Yendo is a financial technology company that pioneered the concept of an asset-secured revolving credit card. Rather than relying solely on credit scores, Yendo evaluates a customer's vehicle equity, income, and ability to repay to determine credit eligibility and limits. The company offers three card products: the Auto Card (up to $10,000 credit limit, backed by vehicle equity), the Homeowner Card (up to $2,000, backed by home fixtures), and the Premier Rewards Mastercard (up to $750, an unsecured everyday card). All cards are powered by Mastercard, come with unlimited 1.5% cashback rewards when enrolled in autopay, and provide instant access via a virtual card upon approval.
Yendo positions itself as a safer, more transparent alternative to predatory title loans and payday lenders. While traditional title loans involve high interest rates, short repayment windows, and debt traps, Yendo provides a revolving credit line with fixed APRs ranging from 24.88% to 35.88%. Customers keep driving their vehicles, and the company records a lien on the title rather than taking physical possession. The application process takes approximately one minute for pre-approval with no credit score impact, and approved customers can access funds via a virtual card within minutes. The company has raised over $100 million in equity and reports over $150 million in customer savings.
Founded with a mission to expand access to affordable credit for underserved consumers, Yendo has been backed by notable investors including Mark Cuban. The company has been featured in major publications including TechCrunch, The Wall Street Journal, Fortune, Yahoo, Axios, and NerdWallet. Yendo operates through a mobile application available on both iOS and Android, with 4.5+ star ratings and over 115,000 downloads combined. The company is expanding nationwide and partners with retailers like 7-Eleven and Walgreens for in-store cash payments.
Yendo
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