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 to Italian tax residents at a fixed 6.99% APR with no arrangement fee, so it suits borrowers with a strong credit file who want one predictable rate. The hard credit check narrows who gets an offer.

Key facts

Best for
A fixed-rate personal loan in Italy with no arrangement fee and a strong credit profile.
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 (accessory costs zeroed, no hidden costs) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
A few days after the outcome and digital contract signature; final decision within 24h of receiving documents (Source, checked September 26, 2026)
Representative example
Prestito Personale: 10,000 EUR over 96 monthly instalments of 135.22 EUR, fixed TAEG 6.99%, fixed TAN 6.78%, accessory costs zeroed, total due 12,981.12 EUR (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
Ages 18 to 80; Italian citizenship or EU/non-EU citizen (non-EU with valid residence permit); tax residence (domicilio fiscale) in Italy; provable income from work, self-employment or pension (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Car, Debt-consolidation, Personal (Source, checked September 26, 2026)
Credit needed
Excellent (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Younited SA (Italian general directorate, via Sardegna 40, 00187 Rome; tax code/VAT 13722821009) (Source, checked September 26, 2026)
Headquarters
Italy (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
younited-credit.it

Apps and profiles

Get the app
Google Play
Elsewhere
TrustpilotLinkedInXyoutube.com

Pros and cons

Pros

  • The 6.99% fixed APR sits well under the 12% median APR across lenders on the site.
  • The published example leaves accessory costs out of the calculation, so the number signed is the number repaid.
  • Early repayment carries no charge, so a lump sum against a 6 to 96 schedule cuts the interest.
  • The car, debt consolidation and personal range sits with a single direct lender, so the rate quoted is the rate applied.

Cons

  • hard credit checks against a excellent credit profile put this beyond a weaker file.
  • Support runs on email and help centre only, so there is no phone line for a live application.
  • Eligibility is narrow: Italian tax residence, provable income, and Italian or EU citizenship, with a residence permit for non-EU citizens.
Younited Credit Italia

Ready to try Younited Credit Italia?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Italian tax residents with provable income from work, self-employment or a pension.
  • Borrowers pulling several debts into a single fixed monthly instalment.
  • Anyone funding a car or works at home without an upfront charge.

Who should look elsewhere

  • Monzo Flex, whose 10% to 23% range is priced for a different market than the single market this lender covers.
  • Cashspace, whose PHP 12 to PHP 36 range runs higher, for readers who want to compare lenders rather than deal with a single direct lender.
  • Cashspace ES, quoted at 0% APR, for borrowers after a rate below the 6.99% on offer here.

How it compares on our data

Younited Credit Italia ranks 108 of 350 lenders on APR and 286 of 685 on the highest amount lent. Both placements put the rate and the ceiling towards the better end of the lenders listed, which is unusual for a single lender to manage.

The company behind it

The lender is Younited SA, whose Italian general directorate sits in Rome, and it is based in Italy. It holds an entry in the Albo delle Banche under 8054 (ABI 3638), is supervised in France as 16488, and appears on the ORIAS register as UE00009799. Support runs on email and help centre.

How Younited Credit Italia compares

Where Younited Credit Italia is available

Available
France, Italy
Licence in Italy
Albo delle Banche (Banca d'Italia) (8054 (ABI 3638)), checked September 26, 2026
Licence in France
ACPR (Autorite de Controle Prudentiel et de Resolution) (16488), checked September 26, 2026
Licence in Italy
Elenco annesso al Registro degli Intermediari Assicurativi (ORIAS) (UE00009799), checked September 26, 2026

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

Frequently asked questions

What does a loan from Younited Credit Italia cost?+

On the personal loan the rate is fixed at 6.99% APR, the arrangement fee is 0 EUR (accessory costs zeroed, no hidden costs) and the fee percentage is 0%. The published example repays the borrowing in equal monthly instalments at the same fixed rate, with accessory costs counted as nothing.

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

Borrowing runs €1,000 to €60,000, and terms run 6 to 96. The lending is a direct direct lender arrangement, so the money comes from the company named on the contract rather than a panel of lenders. That is the trade-off: fewer options, but a single rate to check.

Will I pass the credit check?+

The check is hard and the profile wanted is excellent, which sets a high bar. Around 32.6% of the lenders listed ask for a good file, and 72.7% run hard checks like this one, so approval rests on a strong record.

Is the lender properly regulated?+

Younited SA is listed in the Albo delle Banche under 8054 (ABI 3638) and is based in Italy. The group also appears in France as 16488, and the company is recorded on the ORIAS register as UE00009799, so the details can be checked before signing.

Who can apply for the loan?+

Applicants need Italian tax residence, and the lender is based in Italy. Provable income from work, self-employment or a pension is required, along with Italian or EU citizenship, with a valid residence permit for non-EU citizens. Age rules also apply, from a minimum age to a later cut-off, so check the terms if you sit at either end.

How quickly does the money arrive?+

A final decision comes quickly once documents arrive, and the money lands shortly after the outcome and the digital contract signature. Same-day funding sits with about 82.9% of the lenders listed, and this one sits outside that group, so leave a gap between approval and the payment you need.

Can I settle the loan early?+

Early repayment carries no charge, which saves money on a 6 to 96 schedule. Plenty of lenders add a penalty for settling early, so it is worth checking before signing, and around 18.8% of the lenders listed do charge one.

What can the loan be used for?+

The listed uses cover home improvement, and the loan types are car, debt consolidation and personal. A car, a consolidation of existing debt and a personal project all appear on the list, which suits a borrower with a single clear expense. Terms run 6 to 96, so a larger job can be spread over a longer period.

Sources

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

Younited Credit Italia

Younited Credit Italia

A fixed-rate personal loan in Italy with no arrangement fee and a strong credit profile.

9.2/10See alternatives

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