Advantages and Opinion of YounitedCredit

What is Younited Credit?

It is a financial company, based in Barcelona, that offers cheaper loans without intermediary banks, with the aim of transforming the traditional banking system and making it more fair and of remarkable transparency. In Younited Credit , the credits are faster and simpler to obtain, besides being cheaper and offering a useful savings for your clients.


One of the advantages of Younited Credit loans is that they are fixed rate and of limited duration. They do not have hidden fees and the fees are adjusted to cover the costs of analyzing credit applications and the remuneration of investors due to the risk they assume. They are also approved with important speed, since they work with innovative market analysis technologies. And they already have more than 20 million loans granted .

 ounited Credit Spain works with a transparency that stands out above the competition. Its objective is to continue to simplify the personal loans business to the maximum. The company keeps its customers informed at all times about the status of the loan request by SMS and also by email.

As the money of the Younited Credit loans comes from investors who have confidence in the company, it assumes the responsibility of rigorously analyzing each application and immediately informing any denied request. The monthly installments of the loans of each client are paid directly to the investors, thus generating a credit model with more transparency. If you have any questions, you can contact us through the Younited Credit Contact channels that we put you in the next paragraphs.

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Younited Credit offers loans for 1,000 euros up to 40,000 euros with five possible repayment terms of:

  • 24 months.
  • 36 months.
  • 48 months
  • 60 months
  • 72 months

To know which credit is the most appropriate to request according to your needs, you can enter the company’s website and use the online credit simulator to find the ideal one. There you will have to choose the project to which the money will be destined, for example a new car, then the desired amount to request, in this case we will ask for 20,000 euros and finally, choose a return period, for example of 24 months. Then click on “Continue” and there will appear the balance of your monthly payment to be paid, in this case of 879 euros, and the percentage of APR, which in this case is 6.60%.

Types of loans offered by the company

On this site you can apply for loans for the following projects:

  • Reforms
  • Used car.
  • New car.
  • Furniture and appliances.
  • Computing.
  • Liquidity and treasury.
  • Medical expenses.
  • Education and academic training.
  • Motorcycle.
  • Travel and leisure.
  • Weddings or celebrations.
  • Move.
  • Unification of credits.

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Requirements to apply for an online loan

The requirements to obtain a loan in Younited Credit are very simple, you only have to fulfill the following conditions:

  • Be between 18 and 70 years old.
  • Be a Spanish resident.
  • Not be included in files of defaulters, such as the ASNEF.
  • Justify your income.

Along with the conditions mentioned above, a solvency study is attached, which is sent to all applicants and in this way the company makes sure of the financial situation of each client before approving a loan.

How to apply for a loan online on this site?

To apply for a loan on this platform, you must follow these steps:

  1. Enter the website.
  2. Access the Apply for loans sector.
  3. Complete the credit information you want to request: Destination project, desired amount and finally, the return period.
  4. Then complete an online form with your personal, contact and banking information.
  5. Wait for the response of the company to your request.
  6. Once your loan approval is received, the contract will be sent to your email and the Younited Credit customer area will be enabled to see all the details.
  7. Sign the mail and send it by mail or agree with the company’s courier to pick it up at the address.
  8. After 48 hours after receiving the contract, you will have the money deposited in your bank account automatically.

Why do they offer low interest rates?

In YounitedCredit, interest rates are low because investors who entrust their savings to the company have fewer financial ambitions than banks or other financial institutions. If Younited Credit offers a credit at 6% APR, these investors have a remuneration of 4.5% that is lower than the profitability with which traditional banks operate.

In addition, Younited Credit is a young and innovative company since they operate through the Internet and use new technologies that streamline all operational processes and require less maintenance money. The only mission of the company is to grant loans and raise investments so that they can be financed, within a growing market of p2p loans .

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