Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Yendo review

Updated September 30, 2026 · SumCue Editorial Team · Facts checked September 30, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Yendo suits drivers with poor credit who want to turn car equity into usable credit while earning cashback on spend. The card charges annual fees of $40 and borrowing costs with APR of 24.88% to 35.88%, so clear balances in full where you can.

Key facts

Best for
Drivers with car equity and limited credit history
Annual fee
$40↗
APR
24.88% to 35.88%↗
Rewards type
Cashback↗
Rewards rate
1.5% unlimited cashback↗
Credit needed
Poor↗
Cashback rate
1.5%↗
Card kind
Credit↗
Regulators
NMLS↗
Legal entity
Yendo Inc.↗
Headquarters
United States↗
Support channels
Email, Chat, Phone↗
Pricing model
Fixed rate
Features
Rewards, Secured
Official website
yendo.com

Loans

Loan amount
$450 to $10,000↗
Arrangement fee
Up to $25 lien placement fee↗
Credit check
Soft prequal↗
Funding time
2 minutes to virtual card↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
18+, US↗
Loan types
Credit-line, Secured, Car↗

Facts checked September 30, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIninstagram.comfacebook.comyoutube.com

Pros and cons

Pros

  • Access credit secured by car equity with limits of $450 to $10,000, useful when cash savings are thin.
  • Prequalification uses soft prequal, which lets you explore eligibility with less impact on your file.
  • Earn rewards of 1.5% unlimited cashback with rewards type of cashback on everyday card spend.
  • Support covers email, chat and phone, giving you choice in how you resolve account queries versus chat only providers.

Cons

  • Borrowing carries APR of 24.88% to 35.88%, so carried balances become expensive over time.
  • Yearly cost includes annual fees of $40, unlike free cards such as Bitpanda Card.
  • Credit is secured against your car through credit line, secured and car, so the vehicle backs the account.
  • Starting a lien may add costs of Up to $25 lien placement fee, which adds to the amount you repay.
Yendo

Ready to try Yendo?

Scored 8.7 / 10 by SumCue.

Visit

Who it suits

  • Drivers with poor credit as shown by poor who own a car with usable equity of $450 to $10,000.
  • Borrowers who prefer soft prequalification of soft prequal before a full application.
  • Spenders who value simple cashback of 1.5% unlimited cashback rather than points or miles.

Who should look elsewhere

  • You want no yearly fee: Bitpanda Card charges annual fees of €0 versus annual fees of $40 at Yendo.
  • You want unsecured borrowing: Yendo secures limits through credit line, secured and car, while eToro offers account access without car security.

Who regulates it

Yendo Inc. acts as lender kind of direct lender, which means your agreement sits directly with the firm that sets limits and services the account. For you, that structure keeps responsibility in a defined place, from underwriting through to repayments and customer queries. Oversight is referenced through licence 2758990 with NMLS in the US. You can use that licence reference to check registration details and to understand which authority covers lending activity. As with any secured agreement, read the terms that explain how the licence, the lender role and your obligations fit together before you proceed.

Fees and FX

The account carries annual fees of $40 for keeping the card open, regardless of how much you spend. You should weigh that recurring charge against expected use, rewards and the value of access to car secured credit. Borrowing costs use APR of 24.88% to 35.88% under a fixed structure, so interest on carried balances reflects the rate band shown. If you clear your balance in full, you limit interest while still paying the yearly fee. If you carry a balance, interest adds steadily to the amount owed. Review statements carefully and plan repayments around that APR band.

Rewards and perks

Yendo offers rewards type of cashback for card purchases, which keeps redemption simple because value returns as money rather than points or miles. The earn rate is stated as 1.5% unlimited cashback, applying across eligible spend without tiers or rotating categories to track. For you, that structure suits steady everyday use where you prefer predictable returns on each purchase. Rewards do not offset borrowing costs on their own, so treat them as a supplement to responsible repayment rather than a reason to spend more. Check how and when cashback posts to your account.

How Yendo compares

Where Yendo is available

Available
United States
Licence in United States
NMLS (2758990), checked September 30, 2026

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

How much does the Yendo card cost each year?+

Yendo charges annual fees of $40 for the auto card. You may also face lien placement costs of Up to $25 lien placement fee when the security is arranged. Consider both charges together when you compare yearly cost against cards without a yearly fee.

What interest rate will you pay on balances?+

Yendo states APR of 24.88% to 35.88% with a fixed rate structure of fixed. The exact rate within that band depends on your profile and vehicle value. Paying your statement in full helps you limit interest while keeping the account open.

How large a credit line can your car support?+

Limits run $450 to $10,000 depending on your car value and eligibility checks. The account is structured around loan types of credit line, secured and car. Your approved limit reflects the usable equity that Yendo can secure against the vehicle.

Who regulates Yendo and holds your agreement?+

Yendo Inc. operates as lender kind of direct lender and holds licence 2758990 with NMLS in the US. That registration provides a public reference point for the business. You can confirm current status through the regulator before you apply.

How quickly can you start using the card?+

Yendo points to funding in 2 minutes to virtual card to a virtual card after approval. Physical card delivery follows separately where offered. Timelines can vary with checks and lien steps, so allow extra time if documents or vehicle details need review.

What rewards do you earn on spending?+

The card offers rewards type of cashback at 1.5% unlimited cashback on purchases. Rewards accrue as you spend on the credit line. Redemption terms and statement treatment can affect value, so review how cashback posts before you rely on it.

Sources

  • yendo.com checked September 30, 2026

    Backs: Funding time, Pricing model, Rate type

    “Access money in 2 minutes”

  • yendo.com/auto-card checked September 30, 2026

    Backs: Loan amount, Annual fee, APR, Card kind, Cashback rate, Credit needed, Lender type, Loan types, Arrangement fee, Rewards rate, Rewards type

    “Credit limits for the Auto Card range from $450 to $10,000”

  • yendo.com/contact-us checked September 30, 2026

    Backs: Support channels

    “Typical email response time is 2-3 business days. For urgent issues, contact customer service by phone or chat.”

  • yendo.com/how-it-works checked September 30, 2026

    Backs: Credit check, Features

    “Checking your offer uses a soft inquiry, which does not affect your score”

  • yendo.com/licenses checked September 30, 2026

    Backs: Regulators, Licences

  • yendo.com/terms-of-service checked September 30, 2026

    Backs: Eligibility, Headquarters, Legal entity

    “The Site is intended for users who are at least 18 years old”

Compiled from 6 source pages, checked September 30, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee.

Yendo

Yendo

Drivers with car equity and limited credit history

8.7/10Visit