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Overview
Younited provides instant consumer credit across Europe, offering loans up to €50,000 with terms up to 84 months. It uses open banking to assess credit by accessing customers' financial data and serves brands, e-merchants, and neobanks through direct-to-consumer, merchant, and financial-partner channels. It differentiates through rapid European scale (65% of Europe) with leading positions in five countries, a high TrustPilot score of 4.8/5, and the Younited Coach AI tool for financial coaching. Its goal is to provide responsible, accessible credit at scale while helping customers manage money better through coaching and partnerships.
About Younited
Industries
Fintech
Financial Services
Company Size
501-1,000
Company Stage
IPO
Headquarters
Paris, France
Founded
2009
People at Younited
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Simplify's Take
What believers are saying
- Younited achieved 54% revenue growth in 2025 and delivered its first profitable quarter in Q4 2025[1][2].
- The firm secured €400M warehouse financing from Citi in early 2025 to enhance capital liquidity for growth[2].
- Instant credit rose to 60% of origination in Europe, projected to reach 80%, signaling strong product alignment[5].
What critics are saying
- Loss of breakeven momentum due to 9.227% Tier 2 bond rate and €80M trailing loss, with 45–65% prob in 12–18 months[6].
- Citi warehouse facility collapse risk under €400M consumer loan exposure in France/Italy, with 35–50% prob in 6–12 months[2].
- Competitor displacement by neobank-embedded credit eroding multi-channel distribution, with 50–70% prob in 12–18 months[7].
What makes Younited unique
- Younited offers instant credit up to €50,000 with maturities to 84 months using open banking.
- The company serves over one million customers across France, Italy, Spain, and Portugal.
- Younited integrates AI-powered financial coaching via Younited Coach to promote sustainable credit and empowerment.
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Funding
Total Funding
$1B
Above
Industry Average
Funded Over
12 Rounds
Benefits
Flexible Work Hours
Remote Work Options
Paid Holidays
Paid Vacation
Hybrid Work Options
Meal Benefits
Wellness Program
Growth & Insights and Company News
6 month growth
↑ 0%1 year growth
↑ 0%2 year growth
↑ 0%Younited S.A., the main subsidiary of listed holding Younited Financial S.A., has completed its inaugural Tier 2 bond issuance of €50 million. The notes carry a 10.5-year maturity until August 2036 and an initial interest rate of 9.227% per annum, with a rate reset scheduled after 5.5 years. The notes are expected to be admitted to trading on Euronext Dublin's Global Exchange Market, with settlement anticipated on 23 February 2026. Proceeds will fund general corporate purposes, focusing on accelerating organic growth through loan origination and portfolio acquisitions. Morgan Stanley acted as sole global coordinator and bookrunner. Younited is a leading instant credit provider operating in France, Italy, Spain and Portugal, serving over one million customers.
Fintech firm Younited, which provides personal loans and credit, announced it secured a 400 million euros ($464.48 million) warehouse financing facility with U.S. bank Citi, backed by French and Italian consumer loans.Warehouse financing is a short-term financing option in which businesses can use their inven
€152.6 million raised 1st listing on Euronext Paris in 2025 Dual listing on Euronext Amsterdam and Euronext Paris Paris – 20 January 2025 –
French consumer credit platform Younited has raised €60m in funding from its main shareholders including Goldman Sachs.
Younited Credit, a P2P lending platform, has raised $170M in a Series G with participation from Goldman Sachs, Eurazeo, Bpifrance, and AG2R La Mondiale.
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About Younited
Industries
Fintech
Financial Services
Company Size
501-1,000
Company Stage
IPO
Headquarters
Paris, France
Founded
2009
There are no jobs for Younited right now.
Find jobs on Simplify and start your career today