What to think of Younited Credit in 2022 and its micro-credit offer?
What to think of Younited Credit in 2022 and its micro-credit offer?

Do you need a small sum quickly? You will find on the internet a myriad of sites that will meet this need. A good number of fintech players have, in fact, invested in the field of microcredits accessible from your computer, tablet or smartphone.

These online banks or financial services are getting closer in terms of technology. The loan application is made directly on their website. It is simple and fast. All undertake to provide an answer within a very short time. On the other hand, the maximum amount made available, the interest rates, the repayment periods, the subscription conditions differ from one to the other. How to find the one that matches your profile and will effectively meet your needs? You have found the right contact person to help you with this task. We have studied the advantages and disadvantages of the main players offering microloans online. Younited Credit is one of them. How to take out a loan with Younited Credit? What are the required conditions ? Does it provide satisfactory service? Here are the questions that most often come to mind and to which we answer.

Who is Younited Credit?

Specialized in consumer credit, Younited Credit does not work like other companies operating in this sector. This French company has adopted a crowdfunding model. The funds come from individuals, institutions or companies which are remunerated by the interest paid by the borrowers. Younited Credit plays the role of intermediary between these interlocutors. She practices what is also called crowlending.

Younited Credit is responsible for selecting loan application files on the basis of predetermined criteria. Those that are the subject of an agreement are then classified according to the risk they represent and are grouped into various mutual funds (FCP). Lenders are actually investors. They invest their money by acquiring shares in one or more of these mutual funds.

Whether they are intended to finance or repay the loans, the funds paid only pass through the Younited Credit internet platform. This collaborative financing company does not take any money from the interest earned by investors. It is remunerated by charging administrative fees. The bet is to limit costs and therefore rates by avoiding financial intermediaries.

Our summary opinion on Younited Credit:


  • Simple loan application
  • Speed ​​of response to loan request
  • Competent customer service
  • Alternative to traditional financial institutions


  • High loan rates
  • Dismissal of people in precarious professional situations
  • Slightly rigid repayment terms

Younited Credit: how does it work?

The steps to apply for a loan are simple and quick. The Younited Credit website provides you with an online form that you can complete without committing yourself. You proceed according to the following steps:

  • You enter the desired amount and the reason for the loan request (cash, purchase of a vehicle, travel, etc.)
  • Your email address is requested
  • You fill in your family situation, your housing conditions, your professional situation, your income, your financial charges (rent, credits), your bank, your marital status and your personal details.

Once this information has been entered, you are prompted to validate your request. You then receive either a pre-approval or a refusal.

  • The pre-agreement is formalized by an offer of several reimbursement methods. The range of maturities offered extends from 6 to 84 months. For each of them, the rate applied and the monthly amount to be paid are indicated.
  • In case of refusal, Younited Credit directs you to other consumer credit organizations indicating the rates they charge.

The pre-agreement is also notified to you by email. In order to continue your loan application, you must upload the following supporting documents:

  • ID
  • Proof of address
  • Proof of income and bank account
  • bank details

Younited Credit undertakes to provide you with a definitive answer within 24 hours. If you get a firm loan offer, the sum is released within 14 days, in accordance with the Hamon law on the regulation of consumer credit. During this period, you have the possibility to withdraw.

The crowdfunding company does not only offer microloans. Loan possibilities range from €1,000 to €50,000. The repayment period can be spread over 6 months, 12 months or over a multi-year period of up to 7 years. It is, for example, not possible to make a repayment over 30 months: it is either 24 months or 36 months. Payments are debited every 4th of the month. You have no other dates to choose from.

If you decide to repay your loan early, you do not pay compensation.

Among the categories of financing project offered on the Younited Credit site, you will find: “financing for your business / professional credit”. When you click on this section, however, you are directed to other online service providers: ADIE for loan applications under €10,000, Meilleurstauxpro.com for those over €10,000.

What is the cost of a microcredit on Younited Credit?

There are many fintechs operating in the microcredit sector. They offer very different services and prices. In this small financial universe, how is Younited Credit?

The comparative table presented below will help you form an opinion. Putting the competitors in the balance makes it possible to highlight the strengths and weaknesses.

YouYounited CreditFloa BankOrange Bank
Parts RequiredID

Proof of address

Proof of income

bank details

Bank account documents

1 proof of address less than 3 months old

Proof of income

bank details
2 IDs

1 proof of address less than 3 months old

Proof of income
Deadline for disbursement of funds 14 days14 days8 days
Cost of a loan of €2,000 over 12 monthly payments 2185,08€2025.84€2164.48€
Fixed APR for a loan of
€2,000 over 12 months
Cost of a loan of €5,000 over 24 monthly payments5502,72€5507,52€5155,08€
Fixed APR for a loan of
€5,000 over 24 months
Cost of a loan of €10,000 over 36 monthly payments€10,768.32€10,578.60€10,461.31
Fixed APR for a loan of
€10,000 over 36 months

Younited Credit's bet to be competitive in terms of cost is far from won. Despite its moderation on fees, this crowdfunding company fails to compete with two of the main providers of online microloans, Floa and Orange Bank. It is even disappointing on loans of small amounts. As we can see on the table, she charges the highest rate for a loan of €2,000.

Customer reviews on Younited Credit: TrustPilote

Trustpilot review: 4.7 out of 46,771 reviews submitted

Younited Credit customers who have submitted positive reviews are unanimous on the simplicity, clarity and speed of the loan application. Many of them rent the quality of exchanges with customer service. They note a friendly communication, the efficiency and the good listening of their interlocutor.

Despite a recognized quality of service, some comments point to the high cost of credits compared to the competition.

What are the cases of refusal of your credit on Younited Credit?

Younited Credit makes it very clear that income stability is one of its essential criteria. To gain the confidence of its investors, this company prefers to present files with solid financial prospects. People in a precarious professional situation therefore have little chance of seeing their loan application accepted, even if it is a microcredit for a small amount and they are not in debt.

You must of course be of legal age to take out a loan from Younited Credit, but you must not be too old either. After the age of 80, all loan requests are rejected.

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