Younited Credit
Younited Credit is a Paris-based, ACPR-licensed digital credit institution offering consumer loans, auto, home improvement, credit consolidation, EIB-backed green loans, and merchant BNPL to individuals and retail partners across France, Spain, Italy, and Portugal.
- Company typePrivate
- Founded2011
- HeadquartersParis, France
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Younited Credit does
Younited Credit is a Paris-headquartered, ACPR-licensed digital credit institution (approval no. 16488, granted 2011) that originates consumer credit directly to individuals across France, Spain, Italy, and Portugal. Its product portfolio spans consumer loans, personal loans, auto financing, home improvement loans, credit consolidation, an EIB-backed green/ecological renovation loan ("Prêt Vert") with up to €500/month reimbursement, and a merchant-facing BNPL suite with installment structures ranging from 3–4 payments to 48+ payments. Loan sizes range from €1,000 to €60,000, with fixed TAEG between 1.90% and 23.20% and durations of 6 to 84 months. The company also distributes optional borrower insurance, GAP auto insurance, and income maintenance insurance under an ORIAS intermediary registration in partnership with MetLife Europe.
The platform is built around a fully digital origination flow with a banking-connector integration that enables an "instant" definitive credit response for eligible applications between €1,000 and €6,000, and a principle decision within minutes for larger requests. Loan simulators, end-to-end online signature, document management, and a 2025-launched iOS/Android mobile app support self-service origination and ongoing credit management. The proprietary technology stack includes the banking connector for verification/eligibility and an instant decisioning engine; no external AI/ML modalities or data flywheel mechanics are publicly disclosed. Multi-language UX (French, Spanish, Italian, Portuguese) and presence on Trustpilot, mainstream social channels, and a Medium tech blog support a digital-first GTM.
Younited monetizes primarily through net interest income on consumer loans (fixed TAEG pricing) and transaction fees on merchant BNPL, complemented by insurance distribution commissions. GTM is direct-to-consumer via website and mobile app, paired with a merchant partner portal for BNPL distribution. The company is structured as a French SA à Directoire et Conseil de Surveillance with a registered capital of approximately €3.4M (one source cites €2.0M on the green-loan page), is headquartered at 21 rue de Châteaudun in Paris's 9th arrondissement, and operates with a headcount in the 501–1,000 range. No funding rounds, ownership composition, or financial figures are disclosed in the available source material.
Younited Credit firmographics
Firmographics- Name
- Younited Credit
- Legal name
- Younited
- Website
- https://younited-credit.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Younited Credit is a Paris-based, ACPR-licensed digital credit institution offering consumer loans, auto, home improvement, credit consolidation, EIB-backed green loans, and merchant BNPL to individuals and retail partners across France, Spain, Italy, and Portugal.
- Ownership category
- akta.pro rank
Younited Credit industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Credit Intermediation and Related Activities (522), Other Nondepository Credit Intermediation (52229), Sales Financing (522220)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
- akta.pro secondary industries
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG), BNPL for High-Ticket / Longer-Term Installments (FSAKACAN), P2P Debt Consolidation & Refinancing (FSAKAHAB), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where Younited Credit is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Younited Credit business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Others
Revenue model
- Consumer Loan Interest: Younited generates revenue through interest charged on consumer loans. Fixed annual percentage rates (TAEG) range from 1.90% to 23.20%, with loan durations between 6 and 84 months and amounts from 1,000€ to 60,000€.
- Installment Payment (BNPL) for Merchants: Merchant partners offer 'paiement en plusieurs fois' (buy now pay later) services through Younited, enabling retailers to provide split payment options to customers while Younited earns fees from merchant partnerships.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Consumer credit with fixed rates and terms |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Younited Credit product offering
Product offeringCore offering
Younited Credit is a French online lending platform that provides consumer credit products including personal loans, auto loans, home improvement loans, credit consolidation, and green/eco-renovation loans, with amounts from €1,000 to €60,000, fixed TAEG rates of 1.90%–23.20%, and terms of 6 to 84 months. The platform also operates a B2B merchant-facing Buy Now Pay Later (BNPL) solution enabling retailers to offer installment payments to their customers.
Product overview
Younited Credit operates as a digital consumer lending platform offering a comprehensive portfolio of credit products and insurance services. The core offering includes consumer credit, personal loans, auto loans, home improvement loans, credit consolidation, and a green loan (Prêt vert) linked to European Investment Bank financing for eco renovation projects. For merchants, the platform provides installment payment solutions (BNPL) across multiple payment structures: 3-4 times, 10-12 times, 24-36 times, and 48+ installments. The company also distributes complementary insurance products including borrower insurance, auto GAP coverage, and income maintenance insurance through partnerships with MetLife. All credit products feature fixed interest rates (1.90% to 23.20% TAEG), terms of 6 to 84 months, and a fully digital application process with immediate decisions for eligible borrowers. Younited Credit is regulated by ACPR (n° d'agrément 16488) as a credit institution and investment services provider.
Differentiator
Problem solved
Functional benefit
Brands
- Younited Credit: Main brand for credit products including personal loans, auto loans, green loans, and debt consolidation.
- Prêt Vert
Products and services
- Crédit à la consommation (Consumer Credit) General consumer credit product offering loans for various personal financing needs with fixed interest rates and monthly payments, ranging from €1,000 to €60,000 with immediate response for eligible applicants between €1,000 and €6,000. Targeted at French individual consumers.
- Crédit Auto (Auto Loan) Auto financing product allowing customers to finance vehicle purchases through installment loans with fixed rates and terms ranging from 6 to 84 months.
- Prêt personnel (Personal Loan) Personal loan product for general-purpose financing needs with fixed interest rates (1.90% to 23.20% TAEG) and repayment periods of 6 to 84 months.
- Rachat de crédit (Credit Consolidation) Credit consolidation service that allows borrowers to consolidate multiple existing credits into a single loan with unified monthly payments.
- Prêt Vert (Green Loan) Green loan product for eco-renovation projects (insulation, heating) with partial monthly repayment reimbursement of up to €500, partially funded by the European Investment Bank (BEI). Projects must represent at least 75% of the loan amount and be completed within 3 months before loan signing.
- Crédit travaux (Home Improvement Loan) Home improvement loan product for financing renovation and construction projects with fixed rates and monthly payments.
- Paiement en plusieurs fois (BNPL for Merchants) Merchant-facing Buy Now Pay Later installment payment solution that allows customers to spread purchases across multiple payments (3-4x, 10-12x, 24-36x, 48+ installments). Younited earns fees from merchant partnerships.
- Assurance Emprunteur (Borrower Insurance) Optional borrower insurance covering loan repayment in case of insured events, distributed by Younited (ORIAS n° 11061269) and underwritten by MetLife Europe d.a.c. and MetLife Europe Insurance d.a.c.
- Assurance Gap Auto Auto GAP insurance product covering the difference between the actual vehicle value and the outstanding loan balance in case of total loss or theft.
- Assurance Maintien de Revenus (Income Maintenance Insurance) Income maintenance insurance product providing coverage if the borrower loses their primary income source, ensuring continued loan repayment.
Quantifiable outcome
- Response within minutes for eligible loan applications (1,000€ to 6,000€)
- +2 more outcomes
Companies that use Younited Credit
Customer profileSegments2 records
Ideal customer profiles2 records
Younited Credit technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Younited Credit partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- European Investment Bank (BEI)coreThe European Investment Bank partners with Younited to support green/ecological renovation projects. Projects must be on the EIB-approved list, cover 75% or more of the loan amount, and be completed within 3 months of loan signing. Borrowers can receive reimbursement of one monthly payment up to 500€ for eligible green projects.
- MetLife EuropeminorOptional borrower insurance is provided by MetLife Europe d.a.c. and MetLife Europe Insurance d.a.c., distributed by Younited as an insurance intermediary registered with ORIAS under number 11061269.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Younited Credit competitors and assessment
Company assessmentDirect peers
- Scalapay: Scalapay is a European BNPL provider operating in France, Italy, Spain, and Portugal — overlapping with Younited's exact geographic footprint. Both target merchants and consumers with interest-free and longer-term installment payment solutions.
- Klarna: Klarna is the leading global BNPL provider and a direct competitor to Younited's merchant BNPL offering and consumer credit products in France. Both compete on installment payment solutions and instant credit decisions for online merchants and consumers.
- Oney: Oney (part of Auchan Holding's Accord group) is a French consumer credit and payment solutions provider offering BNPL and personal loans. It directly overlaps with Younited's product suite, particularly in retail-linked credit.
- Floa Bank: Floa Bank (formerly Banque Casino, owned by BNP Paribas) is a French digital bank offering consumer credit, BNPL, and payment solutions. It competes with Younited on both consumer lending and merchant BNPL in France.
- Alma: Alma is a French-headquartered BNPL provider offering installment payments to merchants and consumers. It directly competes with Younited's Paiement en plusieurs fois product in the French and broader European market.
Emerging players
- LendingClub: LendingClub is a US online lending platform that originated as a P2P personal loan marketplace and now offers personal loans and BNPL-style products. It is comparable to Younited in its digital-first unsecured consumer credit model, though operating in a different geography.
- SoFi: SoFi is a US-headquartered digital consumer finance platform offering personal loans, auto loans, and BNPL. While primarily US-focused, it is a comparable business model and product mix to Younited's D2C personal lending platform.
Broad incumbents
- Cofidis: Cofidis is a major French consumer credit provider (part of Crédit Mutuel group) offering personal loans, auto loans, and home improvement loans. It competes with Younited's core consumer credit products in the French market with a much larger legacy distribution network.
- Cetelem (BNP Paribas Personal Finance): Cetelem is the consumer credit arm of BNP Paribas, a leading French bank. It offers personal loans, auto loans, and revolving credit that directly overlap with Younited's product range, supported by BNP Paribas' branch and digital distribution.
- PayPal Pay in 4: PayPal's BNPL products (Pay in 4, Pay Monthly) compete directly with Younited's installment payment offering, leveraging PayPal's massive merchant network and consumer brand recognition globally and in France.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Younited Credit social profiles
Digital presenceYounited Credit compliance and trust
Trust signalCompliance2 records
Younited Credit financial estimates
Financial estimateRevenue estimate
Valuation estimate
Younited Credit leadership team
Management profileNumber of profiles
Younited Credit funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Younited Credit M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Younited Credit
What does Younited Credit do?
Younited Credit is a French online lending platform that provides consumer credit products including personal loans, auto loans, home improvement loans, credit consolidation, and green/eco-renovation loans, with amounts from €1,000 to €60,000, fixed TAEG rates of 1.90%–23.20%, and terms of 6 to 84 months. The platform also operates a B2B merchant-facing Buy Now Pay Later (BNPL) solution enabling retailers to offer installment payments to their customers.
Is Younited Credit a public or private company?
Younited Credit is a private company. It is classified as unknown and is currently operating.
When was Younited Credit founded?
Younited Credit was founded in 2011. It employs 501 to 1,000 people.
Where is Younited Credit based?
Younited Credit is headquartered in Paris, France, in the Europe region.
How does Younited Credit make money?
Two revenue lines are on record. Consumer Loan Interest is the primary driver. The others are installment Payment (BNPL) for Merchants.
Who are Younited Credit's main competitors?
Direct peers on record are Scalapay, Klarna, Oney, Floa Bank and Alma. Emerging players are LendingClub and SoFi. Broad incumbents are Cofidis, Cetelem (BNP Paribas Personal Finance) and PayPal Pay in 4.
Does Younited Credit have an API?
No public API is recorded for Younited Credit.
What industry is Younited Credit in?
Younited Credit's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment), with a secondary code of FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment). Its NAICS code is 522 and its SIC code is 6141.