Younited — Prestito Personale
Younited S.A.
Younited is a French bank (ACPR-authorised since 2016, listed in the Bank of Italy register no. 8054) offering 100% online personal loans with no branches. It is the most "honest" case in our set: in the representative example the fixed nominal rate is 6.78% and the APR just 6.99% — the two nearly coincide because origination, collection and management fees are waived. Fully digital application and signature, decision within 24 hours of documents.
Data & conditions
| Representative-example APR | 6.99% (€10,000 · 96 months · instalment €135) |
|---|---|
| Min advertised nominal rate | 6.78% |
| Usury threshold | 18.6% (Credito personale, 3° trim. 2026) — APR sits at 38% |
| Loan amount | €1,000 – €60,000 |
| Term | 6–96 months |
| Lender | Bank (direct lender) |
| Mandatory insurance | No |
| Insurance included in APR | No |
| Reported to credit bureaus (CRIF) | Yes |
| KYC | Full |
| Supported countries | EEA · 1+ countries |
| Regulator | ACPR (Francia) + Banca d'Italia |
| Segment | B2C |
| MiCA / License status | Banca (établissement de crédit, ACPR Francia)Albo delle Banche Banca d'Italia n. 8054 (ABI 3638) |
Strengths
- Nominal rate and APR nearly identical (6.78% / 6.99%): almost no hidden fees beyond interest
- 100% digital, e-signature, no branches; decision within 24h of documents
- Supervised bank (ACPR + Bank of Italy), not a captive intermediary
- No notable sovereignty advantage documented.
Weaknesses
- The 6.99% APR is a promotional example that changes ~monthly: always check the SECCI when applying
- Maximum amount €60,000, below the €75–100k of some competing banks
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Score 4.2/5, very strong profile. In its favour: nominal rate and APR nearly identical (6.78% / 6.99%): almost no hidden fees beyond interest. The trade-off to weigh: the 6.99% APR is a promotional example that changes ~monthly: always check the SECCI when applying.
On the Sovereignty lens the score is 0.4/5 (weak): the strength is censorship resistance (1.5/5), while fund control (0.0/5) is the weak link.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
What is the difference between Younited's nominal rate and APR?
In the representative example the nominal rate is 6.78% and the APR 6.99%: the tiny gap reflects only stamp duty, because origination, collection and management fees are waived. It is one of the few cases where the advertised and real numbers nearly coincide.
Sources
- Official service page Data verified on Jul 16, 2026