Younited Credit is one of the online personal loan platforms that has grown in popularity in recent years. Thus, this online P2P credit platform is specialized in matching clients who need money with investors willing to lend it.
It also has a large community of professional investors among companies, foundations, insurance companies, investment funds, etc.
In this way through it we can meet our needs when we need urgent money.
Do you want to buy a vehicle to get to work? Take a trip? Do you want to reform your home? Do banks close their doors to you? For this reason, Younited Credit offers you the solution you deserve. Would you like to know their offer in detail? Continue reading.
Find out about the benefits that Younited Credit offers its clients, also for free. Enter its official website and start your application right now
What is Younited Credit?
Younited Credit is a P2P loan platform which is a meeting point between lenders and people in need of financing.
It has an innovative model similar to that of other P2P or person-to-person credit companies, therefore it allows applicants to request up to € 40,000 with repayment terms of up to 84 months.
In addition, the APR is characterized by being cheap (up to 17.01%) with minimal procedures and immediate response.
With an international presence, many citizens of the world turn to this entity when they are looking for quick money.
Younited Credit is a brand owned by the company Younited Credit SA with the NIF W2500913E and registered office at Calle de la Caravella la Niña 12, 08017, Barcelona.
Younited Credit - Features
|Financing type||Pp2 loans , installment loans, fast loans|
|Maximum and minimum quantity?||€ 1,000 to € 50,000|
|What is the maximum and minimum term?||24 - 84 months|
|Free first loan||Not|
|What interest do you charge?||17.01% APR|
|Do you ask for endorsement?||Not|
|Loan calculator and simulator||Yes|
|Can you defer payments?||Yes|
|What about early cancellation?||Too|
|Where is it hired?||Online as well as telephone|
|How long does it take||24-48 hours|
|When will I have the money||Immediately|
|Web page||Official Web|
|Is my application rejected because I am in the West African Loan Group?||No, but it depends|
|What is the limit of bad debt?||It doesn't have, but it depends|
|Do I need a payroll to request liquidity?||No, but if income|
|Is it possible to apply with a pension, self-employment or unemployment?||Too|
|What age range does it support?||18 - 70 years|
|Can I verify my details with Instantor?||Yes|
Quantity and return terms
Younited Credit Spain allows us to request larger amounts than is common in the private financial sector.
The minimum amount is 1,000 euros while the maximum is up to 50,000 euros.
Regarding the repayment period, it is equally flexible.
We can choose to return the same in 24, 36, 48, 60, 72 and 84 months, consequently maximum flexibility.
One of the fundamental elements in which Younited Credit stands out is the interest rates applied, which are cheap and accessible to its clients.
Interest in the platform is cheap, which allows us to save and obtain a tighter fee.
To show this below we give you several examples to explain:
For a request of € 4,000 over 24 months, we will pay a fee of € 182.59, total to be returned € 4,382.16, the price being 9.29% APR
If we request an amount of € 10,000 over 36 months, we pay a monthly payment of € 309.70, returning a total of € 11,149.2, APR 7.45%.
In case of requesting € 15,000 over 48 months, the resulting fee amounts to € 357.94 per month, while the total amount to be paid € 17,181.12, APR 7.04%
If we ask for € 25,000 for 60 months, the monthly payment to be paid will be € 492.56, total return € 29,553.6, APR 7.01%
If we request a credit of € 30,000 for 72 months, the fee is € 514.77, total to be reimbursed € 37,063.44, APR cost of 7.47%
For a maximum of € 40,000 with a term of 84 months, the monthly fee is € 760.84, we will refund a total of € 63,910.56, APR 7.50%.
We can calculate how the loan is through the simulator and calculator that the platform has available on its website.
When we are going to request money on this platform we see that we have to specify which is the destination that we are going to give it among the following options:
Unify Credits, Reforms, Liquidity / Treasury, Used car, Medical / health expenses, Furniture and appliances, New car, Travel and Leisure, Education and training, Wedding and Celebration, Moving, IT, Motorcycle, also Mortgage
When contracting a Younited Credit loan, it gives us the possibility of contracting up to three insurances, not being necessary but wanting.
They are almost always payment protection insurance, that is, they ensure the payment of installments in certain circumstances.
Basic insurance: It protects us in the event of death or disability, intended for people between the age range of 18 to 65 years.
Senior Insurance: It has a lower coverage than the previous one, for people over 65 years of age and covers us in the event of death or disability.
Basic + Unemployment: It covers us in case of death or disability and also for unemployment, loss of job.
Younited Credit and Banco de España
When requesting a loan from Younited Credit, the first thing many of us ask ourselves is what type of Fintech it is.
We have this information available on their website where they state that Younited Credit branch in Spain is authorized by the Bank of Spain with license number 1560 and in the Registry of Insurance Intermediaries (ORIAS).
Therefore, it complies with all regulations, providing an extra security and trust to its customers.
The requirements that Younited Credit asks us to access their loans do not differ from what is usual in the market, below we see it: Being over 18 and under 70 years of age, having residence in Spain, not having debts with third parties, that is, not appear on delinquent lists such as West African Loan Group and demonstrate regular income
Younited Credit with West African Loan Group Can you?
Yes, but as long as the debt in the defaulter registry is not due to bank or financial debts.
Important: Complying with the requirements imposed by Younited-Credit.com in no way guarantees us that our application will be approved.
This will ultimately depend on the platform's internal risk policy and the solvency study of our financial profile.
Documents needed to get loans at Younited Credit
The P2P loan platform Younited Credit, once our application has been sent and our solvency verified, will ask us to send a series of documentation that serves to verify our data and the information provided.
Once we send the request they tell us the information that we will have to present so that we can prepare it.
For our convenience we send these documents through the Customer Area, for this we will have to scan the original documents that they request and send them by that means.
How to apply for a P2P loan at Younited Credit
The process of applying for a loan with this company is actually easy and simple, just follow the instructions marked by the platform.
This search is accessible and intuitive and can be done online. Here are the steps to follow:
1 - First of all we have to enter the official website at www.younitedcredit.com
2 - Secondly, we must select the amount and quantity that we want our credit to have.
3 - Next you will have to fill out an online form with our personal and financial data
4 - Later, the company evaluates our solvency through risk analysis determining the approval or rejection of our request
5 - Finally and if it is approved, they transfer the money to the current account that we have indicated.
Thus, throughout this process we will have the help of a Younited Credit advisor who communicates with us giving us all the help we may need.
But if you have any incident or problem in the process, do not hesitate to contact Younited Credit customer service at their phone number 913 626 109.
How long it takes
Between 24 and 48 hours is the time it takes between accepting our request until we make the deposit in the bank account, even so it depends on the bank.
What banks do you work with?
It works with the main banking entities in the country, you can also consult them.
Repay the Loan
We can make the refund effective through any of the payment methods supported by the platform.
However, the usual thing is that the amount owed is charged directly to the account. (Direct debit, transfer)
Extension and Postponement
In the event of an unforeseen event for which we cannot meet the payment of the Younited Credit credit fee, it will be possible to request an extension of the term.
We can make advance payments at no extra cost at Younited Credit. This is an advantage because we reduce the return period or the amount of the number of installments.
That is, by partially amortizing we can choose between lowering the term by maintaining the quota or maintaining the term and the quota decreasing.
It is also possible to cancel the loan in its entirety without problem.
I can not pay
If we cannot afford the repayment of the loan nor have we extended the term of the loan acquired in Younited Credit, the best we can do is contact customer service to report the situation through the indicated contact channels.
If we are delayed, on the contrary, they are the ones who contact us to find out what happens, by not meeting the agreed deadlines, we may suffer penalties among other consequences: late interest, penalties and sanctions for non-payment in addition to the inclusion of our name in delinquency files
Younited Credit Telephone and Customer Service
To contact the platform we can use any of the Younited Credit contact channels, below we see:
Free phone 913 626 109 available during its opening hours from Monday to Friday from 9am to 7pm.
Also send a message to your email address, to firstname.lastname@example.org.
Likewise, make our inquiry through the online form available on your page.
In the same way, we can manage any matter from the customer area, the customer area that we explain below:
Younited Credit customer area: My Account
It is the client space that the platform makes available to already registered users.
Once we have finished the registration process we access with username and password and can do everything from this private user area. From initiating new requests, making payments, asking questions, etc.
Opinions about Younited Credit
Younited Credit is reliable, without a doubt, something that the thousands of satisfied users who have used this platform can affirm.
Thanks to the Younited Credit Loans we can acquire one at a low interest rate, with a term that adapts to our capacity easily and quickly.
Here are some Younited Credit opinions from clients who requested the fantastic credits described here:
Carlos "I am a regular customer because it is a financing similar to the bank for its excellent conditions in interest as well as terms"
Raquel "This portal allows me to apply for a loan online with an immediate response. At first I had doubts if it could be a scam due to its good conditions, then I verified that it was not, I recommend it"
Pedro "I was able to buy my car thanks to them, they presented me with a better offer than the one from my bank, as well as an agile process and minimal paperwork"
Laura “Younited Credit loans are great. I was able to finance the trip I had been dreaming of for a long time, that is why I am happy with the results "
Alex "Despite the enormous competition, I have not found any similar one that offers conditions at par"
Younited Credit Opinion - Conclusion
To finish our complete review and analysis of Younited Credit financial products and services, we want to conclude with our opinion.
We think that it is an excellent P2P loan that this platform offers its clients, the low interest rates, flexible terms and minimal paperwork make it an option that should be paid attention to when we urgently need money.
Younited Credit Forum
Do you like having a space to turn to to resolve debts and your questions about the Younited Credit P2P platform? Here below we enable you the forum so that you can express yourself freely and leave your comment on it