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Yendo offers vehicle-secured credit cards and loans to consumers.
Founded in 2021 in Texas, Yendo, formerly Otto, provides credit secured by a customer's car. Its credit card offers access to up to USD 10,000, and the company reports payments to Equifax and Experian to support credit building. It serves customers in Texas, Illinois, Florida, Colorado, South Carolina and Tennessee. In February 2026, it raised USD 200 million in venture debt from unspecified investors.
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