How strict is the selection process for borrowers financed by Younited Credit?

We offer creditworthy French borrowers responsible loans (only amortizable personal loans – no revolving credit) at some of the most competitive rates on the market.

Our selection policy for borrowers is as strict as that of traditional credit institutions.

– The form to be completed by the Borrower when applying for credit includes dozens of information fields (some of which are not required by other credit institutions).

– Each borrower is asked to provide supporting documents, which are systematically verified by specialized software and a team of experts. For certain customers, Younited can access their online accounts directly for verification purposes.

– The negative files of the Banque de France (FCC and FICP) are systematically consulted and borrowers or co-borrowers registered in one of these 2 files will not be able to take out a loan with Younited Credit.

– A dedicated Younited Credit team is responsible for analyzing whether the supporting documents match the information declared by the Borrower on the online form, and for carrying out anti-fraud and anti-money laundering checks.

A credit score and fraud model are also in place to detect and reject fragile and/or suspect cases.