Younited Credit Italia review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Younited Credit Italia lends directly in Italy, and the cost is the reason to look: a fixed 6.99% on personal, debt consolidation and car loans. It suits residents with provable income who can clear a hard credit check and want fixed terms with free early repayment.

Key facts

Best for
A fixed rate Italian personal or consolidation loan with no arrangement fee.
APR
6.99% (Source, checked September 26, 2026)
Loan amount
€1,000 to €60,000 (Source, checked September 26, 2026)
Term
6 to 96 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within a few days of approval and digital signing (Source, checked September 26, 2026)
Representative example
10,000 EUR repaid in 96 monthly instalments of 135.22 EUR, fixed TAEG 6.99 %, fixed TAN 6.78 %, zero accessory costs, total payable 12,981.12 EUR for top creditworthiness customers (personal loan) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Age 18 to 80 years, resident in Italy with Italian tax residence, Italian or EU or non-EU citizen with valid residence permit, provable income from employment, self-employment or pension (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Younited SA (Source, checked September 26, 2026)
Headquarters
Italy (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
younited.com

Apps and profiles

Get the app
Google Play
Elsewhere
TrustpilotLinkedInXfacebook.com

Pros and cons

Pros

  • Fixed 6.99%, well under the 12% median APR across the market.
  • Arrangement fee of 0 EUR and a percentage fee of 0% on the personal loan.
  • Free early repayment, so a loan can be settled early at no extra cost.
  • A direct lender rather than a broker, with funds released Within a few days of approval and digital signing.

Cons

  • Support runs on help centre only, so most questions are self-service.
  • A hard credit check at application, the more demanding kind for the file.
  • Eligibility requires residence in Italy with Italian tax residence, so UK borrowers are out.
Younited Credit Italia

Ready to try Younited Credit Italia?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Residents in Italy with provable income from employment, self-employment or a pension.
  • Borrowers bringing existing debts together onto a fixed 6.99% repayment.
  • People paying for home improvement, the use case the lender lists as home improvement.

Who should look elsewhere

  • Anyone shopping purely on cost: Cashspace ES lists an APR of 0%.
  • Borrowers who prefer a wider rate band: Cashspace runs at PHP 12 to PHP 36.
  • Rate shoppers wanting a different shape of deal: Monzo Flex sits at 10% to 23%.

Who runs it

Younited Credit Italia is the Italian arm of Younited SA, with its headquarters in Italy. It appears in the Banca d'Italia register of banks as Albo delle Banche n. 8054, Codice ABI 3638, and it also holds the EU registration UE00009799 on the Registro Intermediari Assicurativi (IVASS). Questions are handled through the help centre.

How Younited Credit Italia compares

Where Younited Credit Italia is available

Available
Italy
Licence in Italy
Banca d'Italia (Albo delle Banche n. 8054, Codice ABI 3638), checked September 26, 2026
Licence in Italy
Registro Intermediari Assicurativi (IVASS), iscrizione UE (UE00009799), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate would I pay on a Younited Credit Italia loan?+

Personal, debt consolidation and car loans run at a fixed 6.99%, with fixed pricing for the whole 6 to 96. That sits below the 12% median APR across the market, and the published representative example quotes the same 6.99%.

Are there any fees for arranging the loan?+

The arrangement fee is 0 EUR and the percentage fee is 0% on the personal loan. The representative example also lists no accessory costs, so the 6.99% rate and the monthly instalment are the full cost of borrowing.

How much can I borrow, and over what term?+

Personal loans run to €1,000 to €60,000, with terms from 6 to 96. The lender covers personal, debt consolidation and car as well, so the same range can fund a car purchase or bring separate debts into one repayment.

What does the representative example show?+

It shows a personal loan of €1,000 to €60,000 spread over 6 to 96 in equal monthly instalments at a fixed 6.99%, with no accessory costs and the fixed nominal rate quoted alongside. The example is given for the highest creditworthiness band, so an individual quote can differ.

Does the application run a credit check?+

It does. The application uses a hard credit check, a registered search on your file rather than a soft pre-check. That is the trade for the low 6.99%, and eligibility has to be met before the search runs.

Can I repay the loan early?+

Free early repayment is available, so settling the balance ahead of schedule carries no charge. The rate stays fixed for the full 6 to 96, so a borrower who finishes the loan sooner simply stops paying instalments.

Who can apply?+

Applicants must be adults resident in Italy with Italian tax residence, holding Italian, EU or non-EU citizenship with a valid residence permit, and able to show income from employment, self-employment or a pension. A hard credit check then runs on the file.

How quickly does the money arrive?+

Funding happens Within a few days of approval and digital signing, so approval and the digital signing set the pace. The fixed rate of 6.99% is set when you sign, and repayment then runs over the 6 to 96 you agreed.

How do I get help with an application?+

Support is offered through the help centre, covering documents, signing and repayments. No phone or email line is listed, so expect self-service and have your income and identity documents ready before applying.

Sources

  • younited.com/it checked September 26, 2026

    Backs: APR, Eligibility, Loan types, Pricing model, Rate type, Use cases

    “Younited Credit propone solo prestiti a tasso fisso e rate costanti, senza costi nascosti e sorprese”

  • younited.com/it/contatti-younited checked September 26, 2026

    Backs: Support channels

  • younited.com/it/legale/dati-societari checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Licences

    “YOUNITED SA sede legale e Direzione Generale italiana: in via Sardegna 40, 00187 Roma”

  • younited.com/it/prestito-personale checked September 26, 2026

    Backs: Loan amount, Free early repayment, Funding time, Arrangement fee, Origination fee (%), Representative example, Term

    “Si, puoi richiedere l'estinzione anticipata in qualsiasi momento”

  • younited.com/it/tasso-promozionale checked September 26, 2026

    Backs: Credit check

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Younited Credit Italia

Younited Credit Italia

A fixed rate Italian personal or consolidation loan with no arrangement fee.

9.1/10See alternatives

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