Yendo Sign-Up Offer
Money & Services · Updated November 9, 2026 · Verified network store
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About Yendo
Quick answer. Yendo is a Mastercard credit card issued by Cross River Bank that uses the vehicle you own as collateral instead of a cash deposit. Its published terms include a fixed APR from 29.88% to 35.88% and an annual fee of $40 to $69, so read them closely before you apply.
Yendo at a glance (October 2026)
| Fact | Detail |
|---|---|
| Issuer | Cross River Bank, Member FDIC, under license from Mastercard |
| Credit limits | $450 to $10,000, depending on the card and your vehicle |
| Purchase APR | Fixed, 29.88% to 35.88% (also applies to cash advances) |
| Cash advance fee | 3% |
| Cash back | Unlimited 1.5% as a statement credit on eligible purchases when autopay is on |
| Annual fee | $40 to $69 |
| Lien placement fee | One-time, up to $25, paid to the state |
| Collateral | Your vehicle |
How it works
Yendo looks at the vehicle you have and sets a credit limit based on it, rather than asking for a cash security deposit. If you still owe money on the vehicle, Yendo says you may be eligible but would need to refinance the auto loan with Yendo. Yendo places a lien on your vehicle title, and you can keep driving the vehicle as long as you make at least the minimum payments.
The trade-offs to understand
- Your vehicle is the collateral. If you cannot keep up with payments, the vehicle is at risk.
- The APR is high. Carrying a balance at 29.88% or more adds up quickly.
- Fees apply. The annual fee, the lien placement fee and cash advance fees all add to the cost.
- Cash back needs autopay. The 1.5% credit is tied to having autopay enabled.
Who it may suit
Yendo is aimed at people who have a vehicle but little other access to credit. If you can put down a cash deposit for a traditional secured card, compare the costs first, because that route does not put your vehicle on the line. This is general information, not financial advice, so check the full terms on Yendo’s site before applying.
Sources
- Yendo: yendo.com
Frequently Asked Questions
What is the Yendo credit card?
A Mastercard issued by Cross River Bank that uses your vehicle as collateral instead of a cash deposit.
What APR does Yendo charge?
Yendo lists a fixed APR from 29.88% to 35.88% for purchases and cash advances, as of October 23, 2026. Check its site for current terms.
Does Yendo have an annual fee?
Yendo lists an annual fee of $40 to $69, plus a one-time lien placement fee of up to $25.
How much cash back does Yendo give?
Unlimited 1.5% as a statement credit on eligible purchases when autopay is enabled. Terms and exclusions apply.
What credit limit can I get with Yendo?
Yendo lists limits from $450 to $10,000, depending on the card and your vehicle.
