Please note! This investment product is intended for professional investors only. There is no capital guarantee and performance is not guaranteed.

To access this information, please confirm that you are a professional investor.
A professional client is a client who has the experience, knowledge and competence to make his or her own investment decisions and correctly assess the risks involved. Please ensure that you are a professional investor by referring to article L. 533-16 of the French Monetary and Financial Code.
The information available on the website does not constitute an offer to subscribe or a personalised recommendation. Younited Credit may not be held liable following consultation of this information.

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Investing with Younited

  • Financing the real economy
  • Competitive risk-adjusted returns
  • Low correlation to traditional asset classes

Younited is reinventing the consumer loan industry in Europe

Younited is a regulated credit institution founded in October 2009. Our innovative refinancing model allows professional qualified investors (both individuals and legal entities: companies, insurers, foundations, pension funds, etc.) to finance transparent and competitive consumer loans. Our 100% digital platform uses leading-edge technology allowing us to offer competitive interest rates to borrowers and competitive returns to investors.

euros of loans granted since 2009
index member, 29th French Unicorn
European countries, with over 500 employees
rigourous risk 1

A rigorous risk management

Proprietary scoring models and cutting-edge fraud detection tools allow us to only finance clients possessing an optimal risk profile. Out of 100 applications received, only two will eventually be financed. A risk-based pricing methodology allows us to estimate the cost of risk of each individual client and to determine the best interest rate for them. This interest rate is also calibrated to help us reach our target performance. Our risk team regularly monitors risk and return indicators at a portfolio level to ensure those are in line with expectations.

Why should I invest ?

Younited currently offers the opportunity to invest in the fund FCT Younited France. The funds invests in fixed-rate, constant amortising consumer loans originated by Younited. The initial maturity of these loans is comprised between 6 and 84 months and the initial amount ranges from €1,000 to €55,000. All the loans are issued on an unsecured basis for various purposes, such as home improvements, living expenses, car (unsercured), purchases of consumer goods and debt consolidation.

Competitive risk
return profile
Low volatility

Monthly reports

Our funds’ performance reports are published on a monthly basis. The funds’ legal documentation, audited accounts and weekly reports are also available on request at

We are here to help

Types of asset classes, conditions for investing, applicable taxes… take a look at our Q&A section and don’t hesitate to reach out to our dedicated team.

This website is reserved for professional investors. It is designed exclusively for information purposes. It does not constitute a contractual element, nor an offer or an incentive for investment or an offer to buy or personal advice. It cannot be considered a solicitation or canvassing. Subject to compliance with its obligations, Younited S.A. will not be liable for the financial consequences of any nature whatsoever resulting from the investment. Data contained in this document are not contractual or certified. Responsibility for Younited cannot be held by a decision taken on the basis of this information. The estimates and forecasts of default rates and performance are the result of simulations carried out in good faith by Younited S.A. for information only. They are based on various scenarios selected by Younited on the estimated borrowers when they were made and historical data in no way prejudices the future evolution of the actual performance of obligations rate defaults. The units are subject to a private placement reserved for professional investors within the meaning of Article L,411-2 of the French Monetary and Financial Code. The general regulations and the supplementary regulations of the FCT Younited France are provided to subscribers prior to the subscription and available on request. Subscribers must consider the degree of exposure to different risk in terms of their overall allocation and their individual situation. Furthermore, if they consider it necessary, they can ask for legal or financial or tax or accounting advice or any other professional. You can exercise your rights of access, rectification, objection and cancellation of your personal data by contacting our customer service. Investing in Younited’s funds involves a risk of total or partial loss of capital and a risk of illiquidity.