Youdge review: Is it legit?

What is Youdge?

Youdge is a loan comparison service that was founded in Levallois-Perret, France, in 2015. Because of its success there, the company launched its Canadian branch in Montreal, Quebec, in 2024. Youdge Canada operates exclusively online and works as an intermediary—not a lender—connecting applicants with its network of lenders, including Magical Cash, Spring Financial, goPeer and Alterfina.

Youdge is available in both English and French.

Is Youdge legit?

Youdge is a legitimate company that emphasizes transparency in its application process by offering all loan terms before you complete an application and choose a lender. While the company isn’t currently accredited by the Better Business Bureau (BBB), that’s not unusual for digital-first financial services and isn’t required. Youdge encrypts user data, doesn’t charge customers for its service and doesn’t proceed with a hard credit check until the final loan offer stage. It has thousands of positive reviews on Trustpilot, appears to take customer support seriously and has granted over 200,000 loans in Canada and France.

What we like about Youdge

• Speed. Youdge Canada allows borrowers to compare multiple loan offers within minutes, and you can receive your funds within 72 hours.
• Accessibility. The platform is designed for a broad range of credit profiles, including those with fair or bad credit.
• Cost-effective. The platform is free to use and doesn’t mark up interest rates.
• User-friendly. The interface is intuitive and easy to navigate on a computer or mobile phone.
• Transparency. Once you complete the initial application, you can see all the loan terms before you apply.

What to watch out for

• Limited loan products. The platform doesn’t offer mortgages or small business loans.
• No in-person support. All services are provided digitally, which may be a negative if you prefer face-to-face guidance.
• Marketing communications. Some users report receiving a lot of follow-up calls or emails after applying, but you can opt out of these.

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Who is Youdge best suited for?

Youdge may be a good option for:

• Borrowers with bad or fair credit. Youdge partners with lenders that work with lower credit scores. Just expect to pay a higher interest rate. Learn more about bad credit loans.
• People needing fast funds. You can receive your funds within 72 hours, which is ideal for emergencies or time-sensitive expenses.
• Those who prefer online applications. If you don’t need in-person support, you can complete the entire loan application process online with Youdge and its partners.
• Consumers comparing loan options. Since you’re not obligated to move forward with any of Youdge’s lenders, you can use the platform to compare your loan options and find the best lender for you.

What are Youdge’s interest rates?

Youdge doesn’t set interest rates itself since it’s not a lender. Instead, it presents interest rates offered by third-party lenders based on your creditworthiness, income and loan type. Typically, the better your credit score, the lower your rate. To see these interest rates, you’ll have to complete a loan application. But don’t worry, you’re not committing to anything by doing so.

Reviews for Youdge

Youdge Canada isn’t currently accredited or listed by the Better Business Bureau, which just means it hasn’t undergone a voluntary BBB evaluation. However, its French counterpart has over 2,000 reviews on Trustpilot.

Most Youdge reviews are positive, saying it was easy to apply, borrowers got their money quickly, and customer service was responsive and helpful. There are some negative reviews as well, reporting repeated calls and emails after applying and high interest rates. Youdge responds to a lot of these negative reviews on Trustpilot, offering solutions or further communication, which shows they care about their customers.

Trustpilot reviews	4.5/5 based on 2,165 reviews
BBB reviews	N/A
BBB rating	N/A
BBB accreditation	Not accredited

As of June 11, 2025

What does Reddit say about Youdge?

At the time of writing, Youdge does not appear to have a presence on Reddit.

What types of loans does Youdge offer?

Youdge offers the following types of loans:

• Personal loans
• Debt consolidation
• Microloans
• Emergency loans
• Car loans
• Bad credit loans

Do you qualify?

Eligibility criteria depend on the lender you choose, but general qualifications include:

• Canadian residency
• Age of majority in your province or territory
• Valid government-issued ID
• Proof of income (employment or government benefits)
• Valid Canadian bank account

Some lenders may also have minimum credit score requirements, but Youdge partners with lenders that accept lower scores if you have bad credit.

How do you apply?

1. Head to Youdge Canada’s website and click on the type of loan you want.
2. Choose your loan amount. Depending on the loan type you choose, amounts range from $500 to $50,000.
3. Choose your loan term. Again, depending on the loan type you choose, terms range from six months to eight years.
4. State your loan purpose, whether that’s to cover a debt, pay bills, improve your home, pay off student loans or for something else.
5. Input an estimate of your credit score.
6. Choose your employment type from employee, self-employed, student or unemployed.
7. Input your monthly gross revenue, whether you get paid by direct deposit, how often you get paid, how long you’ve been employed and when your next payday is.
8. Explain your housing situation, how long you’ve been living there and your rent or mortgage payments.
9. Fill in personal details like your full name, date of birth, social insurance number (SIN) and status in Canada.
10. Finally, provide your contact details to receive your loan offer.
11. At the end of the application, you’ll see all the loans available to you with their interest rate and monthly payment. Choose one and you’ll be redirected to the lender’s website to complete another application and get your loan.

What to expect once you’ve received your loan funds

Once you’ve accepted a loan offer and completed the full application on the lender’s website, the funds will be directly deposited into your Canadian bank account within 72 hours. Repayment terms vary but typically involve:

• Monthly or bi-weekly payments
• Fixed interest rate (unless otherwise stated)
• Auto-withdrawals from your account

After your loan is disbursed, all further communications and repayments will be handled directly by the lender, not Youdge.

Tips for using Youdge responsibly

To get the most value out of Youdge, consider the following tips:

• Know your budget. Consider your current finances and income, and only borrow what you can reasonably repay without risking financial strain. Otherwise, you may have to pay late payment fees or default on your loan, which will impact your credit score.
• Compare offers carefully. Once you complete the initial loan application, you’ll see each lender’s APR, repayment terms and hidden fees, so be sure to consider these details before choosing a loan.
• Check lender reviews. While Youdge vets its partners, it’s wise to research any lender you consider. Check their Trustpilot ratings and read what past borrowers have to say.
• Check your credit score. Youdge asks for an estimate of your credit score when you apply, but its lenders will likely perform a hard credit check before finalizing approval. Knowing your credit score beforehand can help you apply for loans you’re actually eligible for.