Younited

Consumer credit is one of Europe's largest financial markets and, at the same time, one of the least transparent for borrowers. Unclear rates, slow processes, terms that are difficult to compare across institutions. Younited built its proposition around what traditional banks often fail to deliver: fast, transparent, digital personal loans, extended directly to consumers or through partnerships with banks, merchants, and e-commerce platforms. Founded in Paris by Charles Egly and Geoffroy Guigou, Younited operates as an authorized financial institution with the ability to originate credit directly through its proprietary technology platform. The API-first architecture allows Younited's solutions to be integrated into the digital touchpoints of banking partners and merchants, enabling buy-now-pay-later and instant financing experiences right at the moment of need — at an e-commerce checkout, within a bank's app, or at a dealership. The business model is based on intermediation fees: Younited originates the loan, manages the risk, and earns a fee on the amount disbursed. The combination of proprietary credit scoring technology and direct access to capital markets allows it to offer competitive rates and approval processes that take minutes. Younited operates across several European countries, positioning itself as a credible digital alternative to traditional banking channels for consumer credit.