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Younited Credit Italia review

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

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Our verdict

Younited Credit Italia is a low cost personal lender for Italian residents who want a fixed rate and can meet a high credit bar. Its 6.99% sits well under the 14.43% typical of the personal loan ranking, and the arrangement fee is 0 EUR (accessory costs zeroed, no hidden costs).

Key facts

Best for
Italian residents borrowing for home improvement, a car or debt consolidation on a fixed rate.
APR
6.99%↗
Loan amount
€1,000 to €60,000↗
Term
6 to 96 months↗
Arrangement fee
0 EUR (accessory costs zeroed, no hidden costs)↗
Credit check
Hard↗
Funding time
A few days after the outcome and digital contract signature; final decision within 24h of receiving documents↗
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↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
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↗
Origination fee (%)
0%↗
Loan types
Car, Debt-consolidation, Personal↗
Credit needed
Excellent↗
Use cases
Home-improvement↗
Legal entity
Younited SA (Italian general directorate, via Sardegna 40, 00187 Rome; tax code/VAT 13722821009)↗
Headquarters
Italy↗
Support channels
Email, Help-centre↗
Pricing model
Fixed rate
Official website
younited-credit.it

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
TrustpilotLinkedInXyoutube.com

Pros and cons

Pros

  • APR of 6.99% compares well with the 14.43% median in the personal loan ranking
  • Accessory costs are 0 EUR (accessory costs zeroed, no hidden costs), so no arrangement charge is added on top
  • Terms run 6 to 96, letting you spread a large sum over a long period
  • Free early repayment means you can settle the balance early without a charge

Cons

  • Credit checks are hard, and the credit needed is excellent
  • Support runs on email and help centre only, so every question goes by email or the help centre
Younited Credit Italia

Ready to try Younited Credit Italia?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • Italian tax residents with provable income from work, self-employment or a pension
  • Borrowers who can clear a hard credit check and want fixed monthly payments
  • Anyone planning home improvement work, a car purchase or debt consolidation

Who should look elsewhere

  • Anyone building a credit history, since the credit needed is excellent
  • Applicants outside Italy, since tax residence in Italy is required

Where it sits among rivals

Among the brands compared, Younited Credit Italia sits at 272 on loan amount out of 665 ranked, and much nearer the top on cost at 94 out of 338. Cost is the ranking this lender leads on, while the size of a loan is where the field is most crowded.

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 rate will I pay on a Younited Credit Italia personal loan?+

The rate is fixed, so it holds for the whole term. The stated 6.99% is the cost of borrowing measure quoted for the personal loan, and the 14.43% median across the ranking sits well above it. The rate type is fixed throughout.

Are there arrangement or hidden fees?+

No arrangement charge is added. Accessory costs are 0 EUR (accessory costs zeroed, no hidden costs), with the accessory cost rate also at 0%. The representative example shown pairs the fixed rate with zeroed accessory costs, so the total repayable is driven by interest and instalments alone.

How much can I borrow and over what period?+

Loans run €1,000 to €60,000, which covers both modest sums and larger consolidations. Terms span 6 to 96, so a longer schedule spreads the monthly instalment but raises total interest. The model is fixed rate, so the instalment stays level.

What credit check does Younited Credit Italia run?+

The credit check is hard, and the credit needed is excellent. That sits in the toughest band of the 44.9% grouping compared with 34.3% for many lenders, so a thin credit file is the main reason an application can fail.

Can I repay the loan early without a penalty?+

Yes. Free early repayment is available, so settling part or all of the balance early carries no charge. Most lenders in the 78.9% band offer the same, so the real saving comes from paying down principal sooner.

Who can apply for a loan?+

Applicants need Italian citizenship or EU and non-EU citizenship with a valid residence permit, plus tax residence in Italy. You also need provable income from work, self-employment or a pension. Lenders here work with a direct lending model rather than brokering.

What support can I get after applying?+

Support runs on email and help centre. A help centre handles self-service questions, and email reaches the team for anything more involved. A phone channel is not listed, so time sensitive problems go through email.

Is the lender regulated?+

The Italian operation sits on the Albo delle Banche, listed by Banca d'Italia as 8054 (ABI 3638). The group also appears on the French prudential register, and the Italian insurance intermediaries list as UE00009799.

Sources

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

Younited Credit Italia

Younited Credit Italia

Italian residents borrowing for home improvement, a car or debt consolidation on a fixed rate.

9.2/10See alternatives