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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 lends directly rather than through a broker, and offers fixed rate personal loans of €1,000 to €60,000 to Italian residents with provable income who want the same monthly payment throughout. It suits people who can pass a hard credit check and clear the balance early.

Key facts

Best for
Direct fixed rate personal lending in Italy, sized from €1,000 to €60,000.
APR
6.99%↗
Loan amount
€1,000 to €60,000↗
Term
6 to 96 months↗
Arrangement fee
0 EUR↗
Credit check
Hard↗
Funding time
Within a few days of approval and digital signing↗
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)↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
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↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Car↗
Use cases
Home-improvement↗
Legal entity
Younited SA↗
Headquarters
Italy↗
Support channels
Help-centre↗
Pricing model
Fixed rate
Official website
younited.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
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Pros and cons

Pros

  • Rates are fixed and the model is fixed rate, so the monthly instalment does not change during the term.
  • Free early repayment, so clearing the balance sooner adds no charge.
  • Listed in Banca d'Italia's register of banks as Albo delle Banche n. 8054, Codice ABI 3638, so the money comes from a supervised bank rather than a broker.
  • Covers personal, debt consolidation and car from the same lender, with home improvement named as a purpose.

Cons

  • The credit check is hard, so an application leaves a formal search on the credit file.
  • Support runs on help centre only, so there is no listed phone or chat line.
  • Eligibility requires Italian tax residence and provable income, so applicants earning in another country fall outside it.
Younited Credit Italia

Ready to try Younited Credit Italia?

Scored 9.2 / 10 by SumCue.

See alternatives

Who it suits

  • Adults resident in Italy with Italian tax residence, holding Italian or EU citizenship or a valid residence permit, with provable income from a job, self employment or a pension.
  • Borrowers planning a fixed instalment over repayment terms of 6 to 96 and intending to settle early at no extra cost.
  • People funding home improvement, the stated use, or wanting a car or debt consolidation loan direct from a bank.

Who should look elsewhere

  • Not the cheapest option, since Creduma ES starts at from €12,000, above the €1,000 to €60,000 offered here.
  • Not for applicants living outside Italy, where eligibility requires Italian tax residence, while Cashspace prices in Philippine pesos at PHP 12 to PHP 36 in a different market.
  • Not for anyone needing a variable rate or a fast payout, because rates are fixed and funding is Within a few days of approval and digital signing, so compare Sofkredit at 10.74% to 18.06% if you want a different rate band.

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 does Younited Credit Italia charge on a personal loan?+

The advertised rate is 6.99%, and the rate type is fixed. The example the lender publishes uses that same rate for top creditworthiness customers and lists no accessory costs, so interest is the main thing to weigh.

Does Younited Credit Italia charge an arrangement fee?+

The origination fee is 0 EUR and the percentage fee is 0%, so the amount borrowed is what you start repaying. The overall score on this profile is 7.5, and the site median APR across lenders is 15.5%.

Who can apply for a loan from Younited Credit Italia?+

Applicants must be adults resident in Italy with Italian tax residence. Italian, EU and non EU citizens with a valid residence permit are accepted, and income has to be provable from employment, self employment or a pension. There is a minimum age and a maximum age.

What credit check does Younited Credit Italia run?+

The credit check is hard, so a formal search is made rather than a soft prequalification. Applicants with a thin or repaired credit history should treat that check as the deciding step, and a rejected application still shows on the file.

How quickly are funds released after approval?+

Funding is Within a few days of approval and digital signing, so the timetable starts once the application is approved and the contract is signed digitally. Planning a purchase means allowing for that window rather than expecting an instant transfer.

Is the lender regulated, and where is it based?+

Younited Credit Italia trades as Younited SA and is based in Italy, with its home country given as IT. It appears in Banca d'Italia's register of banks as Albo delle Banche n. 8054, Codice ABI 3638, and also holds the EU intermediary registration UE00009799.

Can I repay the loan early without a charge?+

Free early repayment is offered, so settling the balance sooner adds nothing to the cost. Rates are fixed at 6.99% while the loan runs, and repayment terms run 6 to 96, so clearing part of it early does not reprice the rest.

How much can I borrow, and for what?+

Loan sizes are €1,000 to €60,000 and repayment terms run 6 to 96. Home improvement is the stated purpose, and the personal, debt consolidation and car covered mean a car loan or a debt consolidation can come from the same lender.

How do I reach Younited Credit Italia for help?+

Support runs on help centre only, which means written guidance rather than a listed phone or chat line. The same published details set out eligibility wording, the documentation needed and the fee figures, so check there 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

Direct fixed rate personal lending in Italy, sized from €1,000 to €60,000.

9.2/10See alternatives