The leading instant credit provider in Europe

Constant innovation, cutting-edge technology and exceptional user experience have allowed over 1 million customers to access instantaneous, simple, transparent credit to refurbish their home, go on holiday or buy a new smartphone.
Up to €50,000. Up to 84 months to repay. Instantly.

Younited at a glance

EUR 1.7bn

Gross Merchandise Value expected in 2022

Instant credit

78% in december 2022 in # of loans

Happy customers

4.8/5 Trustpilot Score - 1 million customers


Gross Merchandise Value Growth in 2022

€1,800 average on Pay

Focus on high ticket items on Younited Pay

Plug & Play technology

Scalable model accross platforms and countries

Lead in electronics, telcos and neobanks

Partner of choice for brands, e-merchants and neobanks

65% of the European market

In 2023, Younited covers 5 countries all over Europe

50% of GMV made out of France

Leader status in 5 countries in only 5 years

The leading instant credit provider in Europe 

We provide one unique product on all distribution channels

We provide instant credit on amounts up to €50,000 and maturities up to 84x ; notably thanks to capactiies offered by open banking 

Riding powerful megatrends: e-commerce, digital lending and embedded finance

Younited’s growth is fueled by powerful behavioral shifts: e-commerce, digital finance and embedded finance. Its fully digital solutions, available on its own websites or embedded in partners’ websites or check out pages, is uniquely positioned to embrace these trends.

Our strategic regulatory positioning is a powerful growth catalyst

Our ability to deploy our instant credit technology across Europe is boosted by our strategic regulatory positioning: One single credit regulation across European countries has allowed us to open and achieve leader status in 5 countries in just 5 years. Through our agreement, we protect each customer with a personalized solvency analysis.

A multi-channel distribution allowing to offer our solutions anywhere our clients need them

Through our 3 distribution channels (Direct to consumer, Merchant Partners, Financial Partners), we accompany prestigious players by establishing European partnerships with them

Our clients love our unique product and customer experience

We have one of the highest customer satisfaction rate in Europe with 4.8/5 TrustPilot score. Our superior user experience is a key driver of our success. Customers come back to us, whether they got instant credit directly with us or via our partners’ points of sale.

A sustainable credit strategy fostering financial empowerement and well-being

Younited Coach uses Artifical Intelligence to coach customers on their personal finance journey. It is a powerful engagement tool for our community and an important pillar of our sustainable credit strategy.
At Younited, we are also determined to contribute to financial inclusion by extending instant credit to freelancers and part-timers who represent a very large part of the Future of Work.