Instant Credit:
Lending solutions

Launch your credit product, transform your value chain and deliver seamless credit within weeks.
Designed for digital banking and next gen financial services.

Contact us

Join the instant credit revolution.

Superior user-experience.

Seamless customer journey, fully embedded into your digital banking experience.

Cloud-based fast integration.

Go live within weeks with our 100% cloud-based solution.

Data driven.

AI technology and best-in class data processing to make better, faster decisions.


Full Credit lifecycle.

We manage the full credit life cycle, including collections.


What do we bring to our partners ?

  • Front & UX. Customers fill out their application, upload documents and sign their contract on their smartphone
  • Risk & Pricing. AI-powered advanced credit scoring, anti-fraud arsenal and open banking technology
  • Application processing. Flexible proprietary tools to review and approve applications
  • Core credit. Covering all back-office processes, including credit servicing
  • Group 71
    Customer care. Delivering superior customer service throughout the full credit lifecycle

How we do it.

We jointly design the solution
that fits your needs
API-based seamless
Robust & scalable infrastructure
Long term partnership
Time to delivery
Projects delivered in record time
Best in class governance
ECB credit institution license

Success stories.

« The delivery was done very smoothly between Younited teams in Paris and N26 teams in Berlin. As European fintechs, our common DNA has allowed us to discuss easily and launch a product within 3 months »

Jeremie Rosselli – General Manager France & Benelux

We have been working with fintechs for a long time. We wanted to find a good actor. Younited offers the most advanced offering on the market. We have partnered with them to benefit from their technology.

Grégory Guermonprez – French director

This is the only digital lending platform who can absorb high volumes while performing a good credit scoring, and they are able to make it available to partner

Arnaud Caudoux – Deputy CEO