Question 1

How do I activate Finzr Credit?

Accepted Answer

Fill out the application form. Our team will contact you within 24h to finalize your account. You can start submitting files as soon as activated.

Question 2

How long to receive payment?

Accepted Answer

Finzr pays you within 7 to 14 business days after final acceptance by Younited and the end of the customer's withdrawal period (14 days).

Question 3

What happens if the customer withdraws?

Accepted Answer

The customer has a 14-day withdrawal period after signing. If the customer withdraws, the financing is cancelled. That's why we wait until this period ends before paying you.

Question 4

Do I need MOBSP status?

Accepted Answer

No. Finzr holds the status of Banking and Payment Services Intermediary. You don't need any ORIAS registration to offer Younited financing through Finzr.

Question 5

What documents does the customer need to provide?

Accepted Answer

Thanks to Open Banking, no pay stubs are required. The customer simply connects their bank account securely. Only ID is requested.

Question 6

Can I offer Finzr Credit to businesses?

Accepted Answer

No. Younited credit is exclusively for individual French tax residents.

Question 7

What amounts can be financed?

Accepted Answer

From €2,000 to €50,000, over terms of 10 to 84 months.

Question 8

Is there an age limit for vehicles?

Accepted Answer

No. Younited doesn't set an age limit for financed vehicles. They simply need to be in perfect working condition and registered in police records.

Question 9

How does the dealer commission work?

Accepted Answer

You receive 1% of the financed amount as gift vouchers. For example: €15,000 financing = €150 commission. Important: 10x, 11x, or 12x interest-free payment plans are not subject to commission. Only files with a financed amount exceeding €6,000 are eligible for financing.

Question 10

Can I cancel anytime?

Accepted Answer

Yes. Finzr Credit subscription is commitment-free. You can cancel anytime without fees.

Question 11

How do I track my files?

Accepted Answer

Via the mobile app (iOS/Android) or the web extranet. You see real-time status of each file: submitted, in progress, approved, rejected.

Question 12

Are customer follow-ups automatic?

Accepted Answer

Yes. Finzr automatically sends reminders to customers who haven't completed their file: 2 SMS + 2 emails per week for 1 week.

Question 13

What's the difference from traditional credit?

Accepted Answer

Speed. With traditional banks, expect 30 min of entry and 24-72h waiting. With Finzr Credit: 2 min entry, 5 min response.

Question 14

Is Younited reliable?

Accepted Answer

Yes. Younited is an ACPR-authorized credit institution (no. 16488), with over 1.2 million customers and €6 billion in loans granted since 2012.

Question 15

Can I integrate Finzr Credit with my DMS?

Accepted Answer

A REST API is available on request. Contact us to discuss your integration projects.

Question 16

Is 10/11/12x interest-free available?

Accepted Answer

Yes, 10/11/12x interest-free is available via Younited directly in Finzr Credit. It's a free consumer loan where fees are paid by the dealer.

Question 17

Can I do 3x or 4x payments with Younited?

Accepted Answer

No, Younited only offers 10/11/12x interest-free and long-term credit (12-84 months). However, you can activate Finzr Pay alongside Finzr Credit to benefit from 3x, 4x payments via FLOA.

Question 18

How do I contact support?

Accepted Answer

By email at support@finzr.io or via the in-app chat. Our team responds within 24 business hours.

Question 19

Can I finance imported vehicles?

Accepted Answer

Yes, provided you have the registration certificate and corresponding type approval documents.

Question 20

What do I need to do to get paid?

Accepted Answer

Upon contract acceptance by Younited, Finzr will request: the customer invoice, the transfer certificate duly signed by the dealer and the private customer (or the new SIV registration certificate), and the crossed-out vehicle registration document.

Question 21

Can I offer financing to foreign nationals?

Accepted Answer

Yes, as long as they are French tax residents at the time of application submission.

Question 22

Can I offer LOA or LLD?

Accepted Answer

No. These products, widely used for new vehicle sales, require a vehicle still subject to VAT and are rarely used in the used car segment. Additionally, they involve operational complexity for the dealer (buyback commitment, reconditioning management...). Finzr has chosen to offer only tied credit, the flagship product for used car sales.

Question 23

What is Younited's acceptance rate?

Accepted Answer

The acceptance rate depends on the quality and creditworthiness of potential borrowers. On average, we observe an acceptance rate between 15% and 50% of submitted applications.

Question 24

Does Younited finance customers with atypical profiles?

Accepted Answer

Yes, and this is an important difference compared to traditional banks. Fixed-term contracts, self-employed, freelancers... Younited's creditworthiness analysis system, based on the PSD2 Directive, provides insight into your customer's account activity. If their accounts are well-managed (no FICP registration, no unauthorized overdrafts, sufficient disposable income), Younited can finance them.

Question 25

Can I use my own banking agreements?

Accepted Answer

No. Finzr Credit is a unique "Speed of execution and low workload" package. However, it can perfectly complement your existing distribution agreements.

Question 26

Am I bound by volume targets?

Accepted Answer

No. No volume commitment. Finzr Credit adapts to your business: use it for all your files or only certain profiles. Speed (7 min response) and simplicity (no MOBSP required) make it a primary or complementary tool, depending on your strategy.

Question 27

What rates does Younited offer?

Accepted Answer

Rates are generally aligned with usury rates, which themselves depend on the financed amount. Visit economie.gouv.fr for more information.

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7 minutes.

Used car financing, reinvented.

Before

With Finzr Credit

You enter. Your customer gets an answer. That's it.

One entry. Not a form.

No income documents.

Finzr pays you.

We care for your customers. And follow up for you.

Groupe Jeannin

Why choose Finzr Credit?

Atypical profiles? No problem.

Calculate your potential commissions

Your business

Performance scenario

Incremental sales

Your estimated benefit

What our customers say about us

Stay in control.

In real time.

Instant notifications

Real-time status

Multi-platform

REST API available

Backed by Younited Credit

Crédit Agricole Innovation Award

Discover our partnership

Integrated with EVEHO

Are you eligible?

Eligible professionals

Frequently Asked Questions

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