Question 1

What is Younited?

Accepted Answer

Younited is a digital-first credit institution and leading European fintech company headquartered in Paris, France. Founded in 2009, Younited specializes in instant consumer credit and innovative digital lending solutions, operating as a fully licensed bank authorized by the French banking regulator ACPR. The company serves nearly one million customers across Europe with transparent, technology-driven financial products.

Younited is recognized as one of Europe's fastest-growing fintech companies, transforming the lending and payment industries through advanced algorithms and exceptional user experience.

Question 2

When was Younited founded?

Accepted Answer

Younited was founded in 2009 by Charles Egly, Geoffroy Guigou, and Thomas Beylot. The three founders shared a vision of revolutionizing traditional banking by leveraging technology to democratize access to credit.

The company officially launched its peer-to-peer lending platform in 2011, allowing individuals to borrow money directly from investors. On May 3, 2016, Younited received its full banking license from the Autorité de Contrôle Prudentiel et de Résolution (ACPR), becoming an authorized credit institution and investment services provider (authorization number 16488). This milestone enabled the company to expand its operations significantly and offer a broader range of regulated banking services across the European Union.

Question 3

Where is Younited headquartered?

Accepted Answer

Paris, France.

Question 4

Where does Younited operate?

Accepted Answer

Younited operates in five European countries from its Paris headquarters. The company has established operations across France, Italy, Spain, Portugal, and Germany, serving customers through entirely digital channels.

In France, Younited maintains its strongest presence with comprehensive consumer lending services. The company has expanded strategically into Italy through a branch operation and maintains digital lending platforms in the Iberian Peninsula and German markets.

Question 5

What services does Younited offer?

Accepted Answer

Younited provides instant consumer credit with fixed rates and fixed monthly payments, including personal loans for home renovations, vehicle purchases, and general consumer needs. The credit application process delivers immediate responses with funds disbursed within eight days.

The company offers Younited Pay, a buy-now-pay-later solution integrated into e-commerce platforms, enabling consumers to finance purchases in installments at partner merchants. Younited Pay uses secure bank account connection technology regulated by the Banque de France for rapid credit assessment.

Digital services are central to Younited's offering, including a mobile app with biometric authentication (facial recognition and fingerprint), real-time loan tracking, autonomous IBAN management, and digital document access. The platform provides personalized budget management tools and merchant partner offers.

Younited Business Solutions offers white-label digital lending platforms to financial institutions and corporate clients, including the technology infrastructure that powers lending programs for Bpifrance, France's public investment bank.

Question 6

What makes Younited unique?

Accepted Answer

Younited distinguishes itself as Europe's leader in instant credit for the e-economy, combining banking infrastructure with pure digital delivery. The company's proprietary technology processes credit applications in real-time using advanced data analytics and anti-fraud algorithms, with average decision times under 36 hours and disbursement capability within days.

The platform's bank account connection feature, regulated by the Banque de France, eliminates traditional paperwork by securely reading account statements for credit assessment. This creates a faster, more accurate evaluation process while maintaining complete transaction security.

Younited operates with exceptional transparency, offering no hidden fees and no application processing fees. The company has successfully raised multiple record-breaking funding rounds and has proven its technology's scalability by managing over 500 million euros in loan volumes for government-backed SME lending programs during the COVID-19 pandemic.

Question 7

What type of financial institution is Younited?

Accepted Answer

Younited is a credit institution (établissement de crédit) and investment services provider (Prestataire de Services d'Investissement) fully licensed and regulated by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) under authorization number 16488. This classification represents one of the highest regulatory standards in European banking.

As a licensed credit institution, Younited holds a European banking passport enabling it to operate across the European Economic Area. The institution is covered by the French Deposit Guarantee Scheme (Fonds de Garantie des Dépôts et de Résolution - FGDR), providing depositor protection in accordance with EU banking directives.

Younited operates as a digital bank or "néobanque" in French terminology, representing the fintech evolution of traditional banking with full regulatory compliance but entirely digital operations.

Younited

in France 🇫🇷

Crypto-Friendliness

All done!

About Younited in France