Younited credit site All the products of a bank ... except the current account!

Oney is a subsidiary wholly owned by the Auchan Holding group . Originally, Banque Accord was created in 1983 to manage electronic banking and payment methods for Auchan stores . Banque Accord therefore managed the loans and credit cards offered in the group's stores such as Boulanger, Leroy Merlin, Norauto, Alinéa ... In order to diversify, the company also invested in the Web by offering, directly, to individuals, a range of financial products : personal loans, credit redemption, cards, insurance and savings . By merging with the Oney company, Banque Accord diversified its credit activities to other web-traders. In July 2016, the group decided to keep only the name of Oney for its financial subsidiary and all related services.

Online information

Information from the Personal Loan pages accessible in one click. The rates are visible.

The various possible personal loans are car / motorcycle , work / decoration , or the loan for all projects . There is also a credit pool loan and cash advance service (for card customers).
Each type of project therefore benefits from different pricing and credit terms:

  • new car up to 35,000 us dollars over 12 to 84 months
  • used car up to 21,500 us dollars from 12 to 60 months
  • work / decoration up to 21,500 us dollars from 12 to 60 months
  • all projects up to US $ 21,500 from 12 to 60 months.

Information on the Accord Libre Renewable Credit page is available at the bottom of the page.

The grouping of credits page offers the repurchase of consumer credit (loans, personal, auto credit, revolving credits ...) as well as the mortgage.

Navigation / ergonomics

The different sections of the site are accessible via a very simplified navigation bar with 4 sections:

  • Payments , which presents all the cards on the Auchan group; Leroy-Merlin, Boulanger, Norauto and Alinéa
  • Credits , which presents the personal loan, revolving credit, end of month solutions, credit consolidation
  • Insurance , auto, motorcycle, home, loans ...
  • Savings : to take out life insurance or a Shopping Account (savings account)
  • Customer area , to consult his revolving credit, the account statement, the latest transactions.

The home page is animated with multiple promotions but the credit simulation remains immediately accessible!

Credit promotions with multiple rates are not very serious! This is also a problem on several credit sites.

online services

Site map accessible at the bottom of the page.

No internal search engine.

The simulation tool is easy to use and even allows you to identify yourself if you are already an Oney customer. The goal is to guarantee you a faster response time and a 100% online subscription. You are also asked if you have proof of purchase that allows you to get a slightly lower rate ...
Note, it is ...
- impossible to choose a specific amount (such as 15,500 us dollars) you must choose 15,000 or 16,000 ...
- also impossible to choose a duration which is not a multiple of 12 ...

The answer in principle to your credit request is guaranteed within 48 hours after completing the form.

Online tracking of your credit application with identification.

Our opinion on the Oney offer
The site has been updated with the new regulations, in particular on revolving credit.
In terms of service, the Oney site is very well positioned compared to other credit institutions : customer identification, monitoring of the request ... All the major useful features are there!

The credit simulation is clearer than before but it is still impossible to request unrounded credit amounts and non-annual durations ...


Bank charges ... it continues!
Every year, we write one or two articles on the rise in bank management fees ... Every year, we see readers who are indignant at the punctures made by banks: bank card, account management fees, subscription access to the online account ... and finally, the fees increase again and again, and then nothing happens ... For 2018, good news (?): the increase in bank fees will only be 0 , 25% on average! This is not a big deal because the French agree to pay an average of 194.30 us dollars in miscellaneous fees to have and use a bank account for a year. Why should this change if the French agree to pay such a sum? Well, like any good Frenchman, you have to complain, so it's easy, you complain for 2 minutes and you forget that during this time others have decided not to pay this kind of fees. In fact, to stop paying your bank card, managing your account and accessing the account on the Internet (yes, there are some who still pay it! ...) you just need to open an account in a online banking like ING, Hello Bank, Bridgepayday, BforBank. In this type of establishment, if your account works (that is to say that you pay your salary there and you make purchases with your bank card) you do not pay any fees. And so on average you save over US $ 190 per year! Calculate the savings made over 10 years already! ... And you will not be alone, because already more than 3 million French people have gone to online banking ...

A loan commits you and must be repaid.
Check your repayment capacity before you commit.

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