YOUNITED

Younited is a European digital credit institution focused on unsecured consumer loans and embedded financing at checkout, operating through country-specific sites and merchant partnerships in several EU markets. It offers fixed-rate installment loans for purposes such as personal projects and debt consolidation, with maturities calibrated to national rules; advertised amounts, durations, and annual percentage rates vary by country and applicant profile. Applications are completed online, with identity verification and income documentation required, and assessment typically combines traditional credit bureau checks with open banking data analysis under PSD2 to accelerate decisioning; final approval remains subject to affordability and risk controls. Disbursement is made to the borrower’s bank account following contract signature, and early repayment is generally possible, though statutory compensation and administrative fees may apply depending on jurisdiction and timing. Younited also provides instant credit at checkout (often branded as Younited Pay) via partner merchants and financial institutions, enabling on-the-spot financing over predefined terms; the financing cost may be borne by the customer or subsidized by the merchant, depending on the agreement. The company operates under a French credit institution license and is supervised by the relevant prudential and consumer protection authorities, using EU passporting to serve additional markets; it does not provide current accounts or cards to retail customers, and its lending is funded via dedicated vehicles and institutional investors rather than retail deposits. Customer service is handled online and by phone in supported languages, and data processing follows GDPR requirements with strong customer authentication for account access and payment initiation. Borrowers should expect that missed payments may trigger late fees, collection actions, and negative credit reporting; exact fees, rates, eligibility criteria, and processing times are disclosed in each country’s precontractual information and loan agreement.