Founded in 2009
Founded in 2009
€3.3 billion worth of unsecured consumer loans granted since inception (as of December 2021)
Part of the Next40 index
Operating in
5 European countries, with over 500 employees
A risk-based pricing methodology allows us to estimate the cost of risk of each individual client and to determine the best interest rate for them. This interest rate is also calibrated to help us reach our target performance.
Our risk team regularly monitors risk and return indicators at a portfolio level to ensure those are in line with expectations.
Seven months after its launch in February, Younited Credit Germany has reached
a first relevant milestone and granted consumer loans worth over ten million euros. The German
branch of the French fintech company has thereby made an important contribution to the overall
growth of the company.
Jan. 2020: The Fintech company Younited Credit has announced that the two funds that it markets, ‘FCT2 Younited
France’ and ‘FCT Younited Italy’, generated net returns of 2.85% and 3.26% respectively in 2019 (historical performances).
Nov. 2019: Admiral Group (leading UK car insurance), Suravenir (leading French insurance company and life insurance specialist, part of Crédit Mutuel ARKEA Group) and Matmut (leading French insurance company) have joined as investors in French and Italian funds offered by Younited.
The initial maturity of these loans is comprised between 6 and 84 months and the initial amount ranges from €1,000 to €55,000. All the loans are issued on an unsecured basis for various purposes, such as home improvements, living expenses, car (unsercured), purchases of consumer goods and debt consolidation.
Younited gives you access to a new asset class
Annual target returns (net of fees and defaults) range from +2.0% to +3.0%
Younited’s portfolios are highly granular and produce steady performances with low volatility