Younited

Younited is a Paris‑based digital consumer credit institution operating in several EU markets, including France, Italy, Spain, Portugal, and Germany, offering unsecured personal loans and checkout financing for merchants under the Younited Pay brand. It is licensed and supervised in France (ACPR) and operates under EU passporting rules, using PSD2 open‑banking data (with consent) and standard credit bureau checks to assess affordability and credit risk. The core offer consists of fixed‑rate, amortizing loans for purposes such as vehicle purchase, home improvement, general personal expenses, or debt consolidation, with monthly repayments by SEPA direct debit over terms that typically span several months to multiple years; exact amounts, durations, and APRs depend on the applicant’s profile and the country of residence, and representative examples are disclosed during the application. Funding for loans is sourced from institutional investors via dedicated vehicles rather than retail deposits, so it does not provide current accounts or savings products and is not covered by a deposit guarantee scheme for consumers. Applications are completed online, with an initial quote that may use a soft credit inquiry in some markets, followed by identity verification, bank data sharing where applicable, and a binding offer subject to a hard credit check; decisions are often delivered quickly, and disbursement follows after contract acceptance. Costs include interest and, where applicable, an origination fee that is included in the APR; late payment fees and default charges are specified in the loan agreement; optional payment protection insurance may be offered under local rules. Early repayment is permitted in line with national consumer credit laws and may involve compensation within legal limits. For merchant financing, Younited Pay provides instant credit at checkout with a fixed repayment schedule; eligibility, limits, and terms vary by retailer and country. Customer support is available online and via standard channels, with formal complaints handled under regulatory procedures. Borrowers receive pre‑contractual information (SECCI) as required by EU law; missing payments can lead to additional costs, collections activity, and negative credit reporting.