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

4.8/5 Trustpilot Score

One of the highest satisfaction among tech companies

1 million

Happy customers


Gross Merchandise Value Growth expected in 2022

€1,500 average on Pay

Focus on high ticket items on Younited Pay

Plug & Play technology

Scalable model accross platforms and countries

Leading positions in electronics, telcos and neobanks

Partner of choice for brands, e-merchants and neobanks

65% of the European market

In 2023

50% of GMV made out of France

Leader status in 5 countries in only 5 years

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

Younited’s hypergrowth is fueled by powerful behavioral shifts shaping the e-economy: e-commerce, e-banking and e-credit. With Younited, instant credit is simple and available throughout the customer journey, shopping or banking, online or in-store, with a single Younited customer experience.

The largest, fastest-growing instant credit provider in Europe

Today, Younited is the only pan-European digital native credit provider of scale serving customers in 5 countries: France, Germany, Italy, Spain and Portugal. Our growth is only accelerating and by 2025, we will serve 80% of the European market.

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.

The partner of choice for global brands, e-merchants and neobanks

Our Plug & Play technology allows global brands and e-merchants to boost sales by offering an instant credit solution at checkout, whether online or in-store. Neobanks and e-banking players integrate our instant credit solutions to broaden the range and quality of services offered to their customers.

A single Younited customer experience building a community and driving recurring business

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.

The leading instant credit provider in Europe