Lending & payments,
Simpler, Safer

We aim to make daily life easier for consumers and businesses seeking personal financings and extended payment solutions. Our ambition is to continue to simplify what otherwise too often remains an over complicated credit and payment experience.

Disrupting the banking sector since 2012.

It all started with a simpler and more transparent personal loan offer. We then went on providing both financial institutions and retailers with lending and payment solutions. We are currently launching a budget coach. And we don’t intend to stop there!

Born in France, with a European heart.

We first launched in France and quickly expanded to Italy, Spain, Portugal & Germany.
Now covering 265 million Europeans, our 500 Younies* are based in Paris, Rome, Barcelona & Munich, making our company truly European!

The best in innovation and technology for an industry-leading client experience.

Our proprietary tech stack provides us with unparalleled flexibility to innovate for the benefit of our clients. Our deep data expertise allows us to lead open banking innovation through the development of cutting-edge proprietary models allowing us to score lending and payments faster and with more accuracy.