The leading instant credit provider in Europe

Constant innovation, cutting-edge technology and exceptional user experience have allowed over 1 million customers to access simple and transparent credit.

Younited is a credit institution authorized and regulated by the European Central Bank under the primary supervision of the ACPR.

We have developed an unmatched consumer loan product allowing to offer an instant final credit decision though a seamless customer experience.

We offer European households – in France, Italy, Spain, and Portugal – the best financing solutions for projects and purchases up to 50,000 euros.

Our mission: foster financial wellbeing of our customers

Responsible and protective

We offer responsible and protective loans to finance our customers’ projects: only amortizing loans, no revolving, no hidden fees.

Savings opportunities

We suggest savings opportunities with our free financial coaching solution and offer insurance products.

B Corp certification

We are in the process of getting B-Corp certified and work towards the ESG standard of listed companies.

What we do

Consumer loan applications made seamless

Instant credit application
Up to €50.000 and 84 months
Under 6min to apply

Installment payments built for purchases that matter

Payment via instant credit
From €300 to €50.000
Available online and instore

Elegant businesswoman having cup of coffee and writing in planner

Financial education, accessible for all

Free budget advisor
Save up to €500 per year
Personalized recommandations

Portrait of a casual businessman thinking while looking at laptop screen, keeping hand on chin.

Protecting our customers, their families and their projects

Embedded insurance offers
Simple and seamless process
Trusted partners

€6bn

of loans financed since 2012

1.2

million customers

75%

of credits financed with an instant decision

Fonds FCT Younited France

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.

Latest news

- Corporate news
- Press release
Successful transformation led to 54% annual revenue growth and attainment of profitability
- New partnership
- Press release
Younited accelerates on Instalment Payment through strategic partnerships within Payment & Tech Ecosystem
- Corporate news
- Press release
Younited and Helios sign Share Purchase Agreement to finalize strategic acquisition

Information

Younited Credit, Younited Pay, Younited Coach and Younited Care are trademarks of Younited. Younited S.A is authorized and regulated as a Credit Institution – Investment Services Provider by the Autorité de Contrôle Prudentiel et de Résolution (ACPR, approval no.: 16488). Younited offers credit and credit payment solutions online or in-store. Financing is granted subject to final acceptance by Younited after acceptance of your application. You have a cooling-off period of 14 calendar days beginning on the date on which you sign the credit agreement offer. Younited: A French SA (public company) with an Executive Board and Supervisory Board with share capital of €3 396 476 – Registered office: 21 rue de Châteaudun, 75009 Paris – Paris Trade and Companies Register No. 517 586 376 – ORIAS number 11061269.

Conditions

Younited Financial S.A. is a Luxembourg société anonyme/public limited liability company (corporate registration no. B 292237), listed on Euronext Paris and Amsterdam (ticker: YOUNI) whose sole purpose is to own shares in Younited S.A.

A loan is a commitment and must be repaid. Before you apply, make sure you can afford the repayments.