Why Younited Credit?

Younited Credit has more than 1 million satisfied customers and a presence in several European countries. Approved by the Autorité de Contrôle Prudentiel et de Résolution (ACPR), this credit institution is also registered with the ORIAS as an insurance intermediary. It is Europe's first 100% online credit platform, with a positioning focused on simplicity, speed and transparency.

The key benefits of Younited financing

  1. 1. Clear, secure credit
    • Loan amount: from €1,000 to €50,000
    • Loan term: between 6 and 84 months
    • Fixed rate (APR): between 1.90% and 23%, depending on your situation
    • No application fees or hidden costs
    • No proof of purchase required: you use the funds freely
  2. 2. A 100% online experience
    • Credit simulation directly on our website
    • Complete digital file: documents sent and electronic signature
    • Optimized process: no paperwork to send by mail
  3. 3. Immediate response
    • As soon as your simulation has been validated, you receive an instant response in principle*.
    • Once the documents have been sent and the application validated, a final reply is sent within 24 working hours.
  4. 4. Rapid disbursement of funds
    • Funds are transferred to your account at the end of the statutory 8-day cooling-off period
    • You are free to pay for your piano as soon as you receive the funds
  5. 5. Total peace of mind
    • Fixed rate and fixed monthly payments: no variations, no surprises
    • Optional loan insurance with MetLife Europe

How does financing work?

  1. You choose your piano on Pianex.fr and simulate a monthly payment directly on the product sheet or at the order stage.
  2. You will be redirected to the secure Younited space to make your request.
  3. You complete a simple form, submit your supporting documents and sign electronically.
  4. You will receive a definitive answer within 24 working hours*.
  5. Funds are transferred to your account on the 8th calendar day following acceptance of the contract.
  6. You pay for your piano directly with the funds received.

A few examples

A piano for €15,590:
From €245.38/month for 84 months*.

A piano for €25,590:
Monthly payments from €402.92/month over 84 months*

**Subject to final acceptance of your application by Younited Credit. Conditions may vary according to borrower profile.

Who can benefit?

The Younited financing solution is open to anyone:

  • Over 18 years of age
  • French tax residents
  • With regular income
  • Not included in Banque de France incident files

Documents to be supplied

To create your file, simply send :

  • Valid identification
  • Proof of address less than 3 months old
  • Bank details
  • Your last three pay slips (or other proof of income)

Everything is done directly from your smartphone, tablet or computer.

Technology for speed

Thanks to the integration of a secure banking connector, Younited can analyze your financial situation instantly, without the need for superfluous documents. This technology speeds up the review process while maintaining a high level of confidentiality.

For requests between €6,000 and €50,000, if you use the bank connector and provide a complete file, you can receive an immediate* definitive answer.

A transparent business model

Unlike traditional banks, Younited loans are financed by professional investors (companies, mutual societies, foundations). All the interest you pay is paid back to them. Younited's remuneration is based solely on clearly indicated and capped application fees.

This model guarantees a high level of transparency and alignment between the interests of borrowers and financiers.

Younited Credit, a committed player

Younited is a B Corp-labeled company, committed to more ethical, transparent and inclusive finance. Its ambition: to offer a reliable, fast and fair alternative to traditional credit, while respecting consumer rights and European regulations.

In a nutshell

  • 100% digital, from request to signature
  • Fast response, payment within 8 days
  • Secure, regulated, ACPR-certified
  • Fixed rate, no hidden fees
  • Mobile application to track your credits

A loan commits you and must be repaid. Check your ability to repay before committing yourself.

*Immediate response possible subject to conditions.
**Payment of funds from the 8th calendar day following final acceptance.

Do you have a question about financing a piano? Our team is here to help you step by step

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