Younited Credit

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.

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

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

• Consumer credit
• Personal loans
• Buy now pay later
• Credit consolidation
• Green loans

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Others

Revenue model

1. 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€.
2. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core 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

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• European Investment Bank (BEI)coreStrategic or Co-development PartnerThe 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 EuropeminorOthersOptional 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

Direct 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

• Xx.com/younited
• YouTubeyoutube.com/channel/UCXeiV0jmbcyzefrXI-gHQpA
• Facebookfacebook.com/younitedcreditfr/?locale=fr_FR
• LinkedInlinkedin.com/company/younited-credit
• Instagraminstagram.com/younited/?hl=fr

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Younited Credit