Iuvo Group review 2025
Check out our Iuvo Group review, and see if the platform is for you.
Iuvo Group
Pros
Cons
Iuvo Group review summary:
Iuvo Group is one of the most safety-oriented P2P lending platforms on the market. For example, it is required for loan originators on the platform to keep 10-40% of their loans themselves. On other platforms, this number is around 5-10%. Iuvo is one of the best platforms for more conservative investors who want to do P2P investing.
It’s 100% free to open an account
Introduction to our Iuvo Group review
Check our Iuvo Group review before investing on the platform see if it’s worth your time. Feel free to skip to specific sections or read it all. This isn’t financial advice — just our own opinions.
Learn about the following in our Iuvo Group review:
- What is Iuvo Group?
- What is the return on Iuvo Group?
- Is it safe to invest on Iuvo Group?
- Who can invest on Iuvo Group?
- How to invest on Iuvo Group?
- How to withdraw money from Iuvo Group?
- What are the best Iuvo Group alternatives?
- Conclusion of our Iuvo Group review
What is Iuvo Group?
Iuvo Group is a Bulgarian peer-to-peer (P2P) lending marketplace registered in Tallinn, Estonia. It launched in 2016 and offers advertised returns of up to 15%.
Iuvo Group works by listing loans from various loan originators. These loans are pre-funded by the loan originators, allowing investors to purchase portions of those loans. The minimum investment on Iuvo Group is €10.
The platform has attracted around 50,000 investors and has funded more than €625,000,000 in loans to date.
IUVO GROUP OÜ is not regulated, as it is not required in the jurisdiction in which it operates.
Iuvo Group statistics:
| Launched: | 2016 |
| Investors: | 50,000 + |
| Interest rate: | 5 – 15 % |
| Loan period: | 1 – 60 months |
| Loan type: | Consumer |
| Loans funded: | € 625,000,000 + |
| Min. investment: | € 10 |
| Max. investment: | Unlimited |
Iuvo Group Trustpilot rating
Iuvo Group has received a TrustScore of 2.9/5 based on 524 reviews on Trustpilot. While many investors highlight its proactive customer support, stable returns for some loan originators, and helpful auto-invest features, others criticize the platform’s slow recovery process for defaulted loans, limited buyback assurances when originators fail, and inconsistent updates on high-risk regions. Nevertheless, Iuvo Group’s efforts to safeguard investors’ interests through legal measures and transparent communication continue to garner a measure of loyalty among its users.
What is the return on Iuvo Group?
Iuvo Group’s average annual investment return is 9.2%. Compared to other European P2P lending platforms, which often advertise returns above 11%, Iuvo Group’s offering can be considered somewhat conservative, which may suggest a lower risk profile.
The interest rates on Iuvo Group ranges from 5% to 15%. While these rates open the door to higher yields, the top end may not be as competitive as some other platforms offering interest rates of up to 22%.
Cash drag can happen on Iuvo Group when funds remain uninvested for periods of time, but its impact on overall returns appears less pronounced than on platforms with higher idle capital.
Iuvo Group’s returns remain relatively steady over time, although actual performance continues to depend on factors such as default rates and timely repayments.
Does Iuvo Group withhold taxes?
Iuvo Group does not withhold any taxes from your earnings. This approach can simplify your tax process compared to regulated competitors like Mintos, NEO Finance, VIAINVEST, and TWINO, which do deduct a portion of your earnings.
Tax report
Iuvo Group provides a tax report to make declaring your earnings easier. You can download this report in your personal dashboard on the platform.
Is it safe to invest on Iuvo Group?
Iuvo Group is not considered one of the safest P2P lending platforms in Europe. Several loan originators have been suspended from the platform and Trustpilot reviewers have critiqued the effectiveness of the buyback guarantee, raising concerns about reliability and overall risk exposure for investors. The platform also lacks transparency regarding loan performance, which makes it hard to evaluate repayment rates and default risks.
Although IUVO GROUP OÜ is not regulated, the company appears to be legitimate and not a scam. Due to its unregulated status, potential investors should carefully review the platform’s reliability and consider whether their personal risk tolerance aligns with Iuvo Group’s current track record.
Loan originators
Iuvo Group has 14 loan originators in 7 countries that deal in 5 different loan types, making it a decent marketplace for diversification.
Iuvo Group requires loan originators to retain 10-40% skin in the game on each loan, which is much higher than the industry norm of 5-10%. By holding a portion of the loan themselves, originators share the risk with investors. This shared responsibility typically encourages more careful underwriting and discourages reckless lending practices.
Iuvo Group buyback guarantee
On Iuvo Group, all loans are covered by a 60-day buyback guarantee. This means that if a borrower is more than 60 days late with repayments, the loan originator automatically repurchases the loan from the investor along with accrued interest.
The Iuvo Group buyback guarantee has a duration of 60 days, which is the industry standard. This is longer compared to Robocash and Loanch, which offer the shortest buyback duration on the market at 30 days.
Investors should keep in mind that the reliability of the Iuvo Group buyback obligation depends on the financial stability of the loan originators. If the loan originators are unable to buy back the loans, the buyback guarantee becomes worthless.
Two-factor authentication
Iuvo Group offers two-factor authentication (2FA) to strengthen account security. This feature generates unique, time-based passcodes to protect investor funds from unauthorized access. Since hackers have targeted P2P lending platforms in the past, enabling 2FA is strongly recommended.
Who can invest on Iuvo Group?
It is possible for both private individuals and companies to invest via the Iuvo platform.
Individuals
To create an account as an individual, you must meet the following requirements:
- Be a least 18 years old
- Have a bank account in the EU or in countries that have AML/CFT systems equivalent to those in the EU.
If you meet the above requirements, it is easy to get started at Iuvo Group.
Companies
It is also possible for companies to invest via Iuvo. After having clicked “register” on their website, simply select “company” instead of “individual” in the signup form. This will give you a slightly different registration form. But from here, the user creation process is straightforward.
Available countries
Iuvo Group has investors from 166 countries, which are marked with green in the image below:
If you are from one of these countries, you should be able to invest via the platform.
Do you meet the requirements to sign up as an investor at Iuvo Group? Then press the button below to get to their website. From here you can quickly create a free account and get started investing:
How to invest on Iuvo Group?
Before you can start investing on Iuvo Group, you must complete the following steps:
- Sign up on the Iuvo Group website.
- Verify your identity.
- Complete the KYC questionnaire.
- Deposit funds into your account.
The entire registration process usually takes about 5-10 minutes, including signing up, verifying your identity, filling out any required questionnaires, and making your first deposit.
You can deposit money into your Iuvo Group account using SEPA transfers. The minimum deposit is €0.01, and funds typically arrive within 1-3 business days. It is possible to deposit funds in Euros (EUR), Bulgarian lev (BGN), Romanian leu (RON) or Polish złoty (PLN).
Once you have funded your account, you can start investing in P2P loans on the platform. Iuvo Group allows you to invest manually by browsing available loans or automatically using a predefined or custom auto-invest strategy.
Iuvo Group auto-invest
Iuvo Group provides an auto-invest feature to automatically allocate funds into suitable loan investments based on each investor’s predefined criteria, saving time and simplifying the investment process.
The auto-invest tool enables you to configure key parameters, including portfolio size, maximum investment per loan, interest rate, loan term, countries, and loan originators. You can also automatically reinvest all returns.
Setting up a Iuvo Group auto-invest strategy only takes 1 minute, and your funds should be invested within a few hours. If your auto-invest is not working, it is usually due to a lack of loans that meet your criteria. This can happen when your filters are too narrow or when no suitable loans are available.
How to withdraw money from Iuvo Group?
You can withdraw your uninvested funds from Iuvo Group at any time using the withdrawal section of your investor account. The minimum withdrawal amount is €10 and it usually takes 1-2 business days for your funds to arrive in your bank account.
Iuvo Group allows you to withdraw funds from your account without any fees for the first two withdrawals each month. After these two free withdrawals, there is a fee of €1 for each subsequent withdrawal. However, your bank might still charge fees for processing international transfers.
To exit Iuvo Group, you must first turn off all auto-invest strategies and sell any existing loans on the secondary market. If you hold non-performing loans, the platform must first recover the underlying debt before allowing withdrawals, which can negatively affect your liquidity.
Iuvo Group secondary market
Iuvo Group offers a secondary market for all its investments, offering users the flexibility to sell their holdings and exit the platform. While sellers are charged a 1% transaction fee, buyers can purchase on the secondary market without any costs.
The time it takes to sell investments on the Iuvo Group secondary market varies based on the price set by the seller and current market conditions. Sellers can list loans at their face value or add a maximum discount or premium of 2%.
Iuvo Group’s secondary market appears less attractive than alternatives such as Mintos, Esketit and TWINO, which offers lower costs, higher liquidity and greater flexibility.
What are the best Iuvo Group alternatives?
Some of the best alternatives to Iuvo Group are Mintos, VIAINVEST and Lendermarket.
Conclusion of our Iuvo Group review
Iuvo Group is a decent P2P lending marketplace due to its selective approach to loan originators and sizable skin-in-the-game requirements. The platform stands out for its insistence on a 10-40% stake from loan originators, which aligns investor and originator interests more closely than on many competing platforms.
While Iuvo Group has attracted 50,000 investors, offers buyback guarantee, and delivers steady average returns around 9.2%, the platform remains unregulated, struggles with slow recovery for defaulted loans, and provides inconsistent updates in higher-risk regions.
Iuvo Group might be worth it for investors who seek moderate returns, appreciate the thorough loan originator selection, and can tolerate the associated risks of an unregulated marketplace. It might not be a good investment for extremely risk-averse individuals who want tighter regulatory oversight or those who need a more robust buyback guarantee. If you seek these things, you might be able to find better P2P lending platforms.
