{"id":619,"date":"2023-12-13T13:56:43","date_gmt":"2026-05-11T15:07:11","guid":{"rendered":"https:\/\/younited.com\/partners\/support\/loan-granting-criteria\/"},"modified":"2026-05-11T16:00:01","modified_gmt":"2026-05-11T16:00:01","slug":"loan-granting-criteria","status":"publish","type":"support","link":"https:\/\/younited.com\/partners\/en\/support\/loan-granting-criteria\/","title":{"rendered":"How strict is the selection process for borrowers financed by Younited Credit?"},"content":{"rendered":"<p>We offer creditworthy French borrowers responsible loans (only amortizable personal loans &#8211; no revolving credit) at some of the most competitive rates on the market.<\/p>\n<p>Our selection policy for borrowers is <strong>as strict <\/strong>as that of traditional credit institutions.<\/p>\n<p>&#8211; 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).<\/p>\n<p>&#8211; 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.<\/p>\n<p>&#8211; 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.<\/p>\n<p>&#8211; 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.<\/p>\n<p>A credit score and fraud model are also in place to detect and reject fragile and\/or suspect cases.<\/p>\n","protected":false},"template":"","category_faq":[],"target":[355],"class_list":["post-619","support","type-support","status-publish","hentry","target-investors"],"acf":[],"yoast_head":"<title>How strict is the selection process for borrowers financed by Younited Credit? - B2B Partners<\/title>\n<meta name=\"description\" content=\"We offer creditworthy French borrowers responsible loans (only amortizable personal loans - no revolving credit) at some of the most competitive rates on the market.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/younited.com\/partners\/en\/support\/loan-granting-criteria\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How strict is the selection process for borrowers financed by Younited Credit? 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