We lead the instant credit revolution

We offer Instant Credit throughout the customer journey, shopping or banking, online or in-store, with a single Younited customer experience.


What we do

We constantly innovate to allow everyone to access simple, transparent credit to bring their projects to life.

  • Up to €50,000. 
  • Up to 84 months to repay. 
  • Instantly.

Our story


• Reached the €3bn milestone in cumulative GMV (Gross Merchandise Value)
• 50% of our GMV is made out of France.
• Goldman Sachs Asset Management & Bridgepoint lead new capital raise.


• Launch in Germany.
• Reached the €2bn milestone in cumulative GMV (Gross Merchandise Value).
• Major partnership with the French sovereign fund for economic support plan during COVID.
• Confirmed leadership in technology via Partnerships with key retailers supporting the launch of Microsoft’s new Xbox and of selected Apple Premium Resellers.


Establish leadership in Telco via key partnership with Iliad-Free for the launch of the Freebox Delta.


• Launch in Portugal.
• Reached €1bn in cumulative GMV.


• Launch in Spain.
• Bpifrance Large Venture joining as shareholder.


• Launch in Italy.


• 2013 : Adevinta joining as shareholder.
• 2015 : Eurazeo Growth joining as shareholder.


• Official launch of an online lending platform in France.
• AG2R LA MONDIALE joining as shareholder.


• Authorized and regulated as an ECB Credit Institution.
• Credit Mutuel Arkéa joining as shareholder.

Younited at a glance

EUR 1.7bn

Global Merchandise Value expected in 2022

4.8/5 Trustpilot Score

One of the highest customer satisfaction rate among tech companies

#1 in Electronics & telcos, #1 with Neobanks

The partner of choice for global brands, e-merchants and neobanks


Gross Merchandise Value Growth expected in 2022

€1,500 average credit size

Focus on high ticket items

Plug & Play technology

Scalable model accross partners platforms and countries

1 million

Happy Customers

80% of the European market by 2025

Up from 60% today

50% of GMV made out of France

Leader status in 5 countries in only 5 years

Our co-founders

Charles Egly

Chief Executive Officer

Geoffroy Guigou

Chief Operating Officer

Our executive management team

Xavier Pierart

Chief Financial Officer

François de Bodinat

Chief Product Officer

Stéphane Alizon

Chief Technology Officer

Tommaso Gamaleri

CEO Europe

Vigdis Flaten

Chief People Officer

Romain Mazoué

Chief Risk & Data Officer

Pierre-Marin Campenon

Managing Director Partnerships

Frédéric Chaignon

Debt Capital Markets

Xavier Pallas

CEO Spain & Portugal

Stefano Piscitelli

CEO Italy

Michael Herschlein

CEO Germany