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.

Level up to instant credit.

Why settle for credit when you can have instant credit?
  • Simple.
  • Fast.
  • Frictionless.

Designed for next gen financial services


  • Launch a complete instant credit offering in just weeks
  • Already got a loan offering? what about a second best offer?

Fintechs & insurers

  • Low-code integration available for the fastest time-to-market ever
  • Looking to launch a credit offering? Go straight to instant credit

Emulators & brokers

  • Onboard the fastest loan experience on the market
  • Best-in-class API documentation and support

Bank or Fintech? Younited gives you both

Robust as a bank
Innovative as a fintech
  • Fully regulated institution (ECB banking license)
  • The highest standards in terms of risk management, compliance & governance
  • The stability & financials to support large projects
  • Customer Experience is our #1 priority
  • State-of-the-art multi-country tech platform
  • Flexibility to easily adapt & connect with Partners in different environments
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Discover our offers



White label

  • Redirection to our co-branded customer journey
  • Zero integration effort
  • Our co-branded customer journey pre-filled with your customer data
  • Better customer experience while keeping integration efforts low
  • Embed our white-labeled lending features into your own customer journey
  • API-based integration

How it all works

Plug&play experience
Enriched experience
White label experience

Give your customers access to the fastest and simplest loan experience

instant credit

Instant Credit

Get a final decision in seconds, not in days.

digital dna

Digital DNA

Open-banking enabled. Mobile first.


Fast forward process

No paper. The simplest subscription process in the market.

flexible process

Clear cut conditions

No hidden fees. Simple amortizing schedule. Transparent T&Cs.

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5 min
In average to complete the customer journey
picto 4
1 min
to integrate our no-code solution
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4,8 /5
customer satisfaction rating

Leading the credit revolution

Our secret sauce: open-banking

Credit institution regulated by the ACPR (Banque de France)
Fully committed to 100% responsible financing
Over 1,000,000 customers trust us