I have been using Iuvo for some time, but after a careful analysis of my repayment schedules, I must highlight a significant lack of transparency regarding actual returns. Although the Assignme... See more
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Unfortunately, Russian loans are in limbo without any information or updates. All other P2P companies try to repay at least some/even little amounts of money (such as Twino, Peerberry) or constatntl... See more
Company replied
On the plus side, their customer support is responsive and helpful. They will even call you if they need to clarify something. Payments are processed quickly and accurately. However, the website is... See more
I am not happy with the KFP / CBC progress. I am missing regular update about this case from IUVO (last info - December 29,2020). Mintos have handled similar problems better. Auto invest settings s... See more
Company replied
Company details
Written by the company
We, at iuvo, are a group of young entrepreneurs who wish to re-define the way people manage their money, invest and get access to credit. Our team consists of experts in the financial services, consulting, marketing and IT industries with great passion for innovation.
Contact info
Narva Mnt 5, Harju County, 10117, Tallinn, Estonia
- support@iuvo-group.com
- iuvo-group.com
2.4
Poor
534 reviews
Hasn’t replied to negative reviews
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Lack
I have been using Iuvo for some time, but after a careful analysis of my repayment schedules, I must highlight a significant lack of transparency regarding actual returns.
Although the Assignment Agreements (Principal Terms) clearly state specific interest rates (e.g., 10%) and explicitly list "Fees: 0.00 EUR," the actual interest credited to my account is systematically lower by approximately 0.5% - 0.7%.
This discrepancy is even visible within their own provided repayment plans, where the "Total Interest" calculated often shows two different figures: a theoretical one and a lower one actually distributed to the investor. It appears that a "hidden fee" or an "originator share" is being deducted at the source without being clearly disclosed as a cost in the public Fee List or at the time of investment.
This practice makes it impossible for investors to accurately compare different Loan Originators and undermines the trust in the advertised rates. I expect a Fintech platform to show the "Net Yield" clearly, rather than a gross rate that is subject to undisclosed deductions. I hope Iuvo will address this and improve transparency for all users.
28 February 2026
Unprompted review
I lost money with CBC
26 February 2026
Unprompted review
Lost 5k€
Lost 5k€
No explanations.
Figured it out when i tried to get my money back. Fortunately I didn’t wait too long to get out of there otherwise I would have lost much more.
21 February 2026
Unprompted review
1500 euro in recovery since years
1500 euro in recovery since years, doubt i will get that back. stay away and buy the us500 index!
5 March 2025
Unprompted review
nice surprise, happy to try this one, too
Maybe I am lucky to be a more recent investor than others, but what I have experienced in the last months is very ok . Offers, payments ,interests are satisfying. Hope they continue doing so
16 February 2025
Unprompted review
I lost 13K+ EUR on this platform in…
I lost 13K+ EUR on this platform in 2020. The "buyback guarantee" is BS.
It's 2025 and money is still just a number in the screen that can't be converted to cash.
6 January 2025
Unprompted review
Solid
Solid, steady trustfull. Everything works as expected. Average 3Years APR: 9.5%, Last 3m. APR 9.4%, Last 6m. APR. 9.9%, Current status: 75.5%
5 December 2024
Unprompted review
Good and reliable
I am investing in Iuvo 8 months so far. Return is good - about 10%. Big choice of loans from different originators. The company behind Iuvo is MFG - quite solid and profitable. Recommend !
27 October 2024
Unprompted review
They seem OK but with some minor issues
On the plus side, their customer support is responsive and helpful. They will even call you if they need to clarify something. Payments are processed quickly and accurately. However, the website is a bit clunky and difficult to use. It can be cumbersome to sell multiple investments at once, and if you have a large portfolio, it can be time-consuming to sell them individually. Additionally, there are some investments that were supposed to be fully covered, but have not been paid out yet, even though they are overdue 150+ days.
25 September 2024
Unprompted review
I had a loan originator default with…
I had a loan originator default with ,,buyback guarantee'' in 2020
2024 and I still haven't seen a $ recovered.
23 January 2023
Unprompted review
Reply from Iuvo Group
Hello,
Thank you for your feedback!
The buyback guarantee is a contractual obligation of the loan originator. It recovers your remaining invested amount if a borrower delays the full repayment of an installment with a predefined number of days.
If a loan originator defaults and stops fulfilling its contractual obligations, this also includes paying for buyback guarantee.
Even though iuvo has no such obligation, back in 2020, iuvo decided to file a lawsuit against the said originator in order to protect the interests of the investors and to recover invested funds. The lawsuit is ongoing and we have been sharing updates on its progress, which can be found on our website's blog, and we also send them via email.
New information will be shared again in a timely manner as soon as we have such.
Best regards,
IUVO Team
Not as risk-free as it seems
It all seems good until it doesn't. At first my experience was good, but they don't communicate clearly enough about the risk you're taking.
Buy back guarantee makes it seem like a low-risk option, but if the loan originator goes bankrupt (which is not that uncommon), the buy back guarantee doesn't mean anything.
My remaining investments have been stuck in a bankruptcy proceeding for years and somehow the interface still shows a 9.74% annual return (how?!). So not sure what they do / don't take into account for the "average annual return" they mention.
8 September 2023
Unprompted review
Reply from Iuvo Group
Hello,
Thank you for your feedback!
The buyback guarantee is provided by the loan originators, not by the platform. If a loan originator is not able to pay or refuses to pay, then there is no way for the buyback to activate because it is a payment from the given credit company.
Having a loan originator that cannot fulfill their contractual obligations is quite uncommon. It happen only due to force majeure circumstances, like a global pandemic, geopolitical conflict, or if government regulations related to credit companies drastically change in a certain country.
In all cases when a loan originator did not fulfill their contractual obligations, iuvo took the needed steps to recover invested funds, whether that was to file a lawsuit or to have other negotiations with the given credit company. All information on the progress of our actions is shared on our website's blog and we publish updates whenever there is new information.
As you can see from the "i" bubble next to your average annual return, it is said that it takes the interest rates of all your investments that you currently have in the "My Investments" section and shows you the average percent. It is the expected return based on the aforementioned, it is not the return based on historical data.
Best regards,
IUVO Team
Loans are in limbo with no information
Unfortunately, Russian loans are in limbo without any information or updates. All other P2P companies try to repay at least some/even little amounts of money (such as Twino, Peerberry) or constatntly provide updates regarding actions taken (such as Mintos). Iuvo is completely silent. I am pretty sure one day they will quetly move them from "in recovery" to default.
The interest rate on IuvoSave and P2P are no longer competitive in the market.
I had to contuct support twice in last two years. There was delay in response or response was not useful.
8 September 2023
Unprompted review
Reply from Iuvo Group
Hello,
Thank you for your feedback!
The only company from the affected region iuvo works with is Kviku.
We have shared information on the actions taken since this whole situation started.
The information on how and when Kviku will repay their debt to the investors on iuvo has been available on our website since February 2023. There is a separate section in our website's blog that is dedicated to Kviku updates, and you can read it there.
Best regards,
IUVO Team
Not trustworthy
Not trustworthy. Buyback guarantee is worthless. Waiting on my money on various investments for years. They neither provide updated information nor is there any progress whatsoever on getting my money. If you want to see your money again avoid Iuvo!
20 June 2023
Unprompted review
Reply from Iuvo Group
Hello,
Thank you for contacting us!
The buyback guarantee is a contractual obligation of the credit companies, not the marketplace, which is iuvo. It activates when a borrower has delayed a payment with a predefined number of days. The credit companies recover your remaining invested amount in the delayed loans.
In cases when a credit company does not fulfill its contractual obligations, which include transfers for principal and interest payments, and buyback activation, this means that it has violated its contract.
When a credit company violates its contract, iuvo files a lawsuit against it to recover invested funds. Iuvo is not obligated to do that but we do it anyways because we care about our investors and we protect their interests.
Lawsuits take time and we regularly provide information when there is such. There has been new information in recent weeks, which we send via email and publish on our website.
We strongly advise you to get familiar with the news on our website's blog:
https://www.iuvo-group.com/en/all-news/
Best regards,
IUVO Team
Steady, solid returns, resolve the russian loans for 5 stars.
I've been with Iuvo now for just over two years with about €25k invested. I avoided Russia luckily other than buying a few hundred of defaulted loans on the secondary market at a discount just to see what happened. Honestly to date everything has been fine and I can't really say much negative other than the Russian funds don't seem to be being resolved quickly as per my PeerBerry funds. Otherwise boring but steady investments with good returns that I can't really complain about. P2P Empire suggests they need to be a little more transparent but with the size of the parent company behind them I feel fairly comfortable. If they manage to resolve the Russian issues a bit faster I would def give them 5 stars.
28 May 2023
Unprompted review
Reply from Iuvo Group
Hello,
Thank you for your feedback!
We are glad that you are satisfied with your investments on iuvo. The support that our parent company - MFG, gives us is one of the reasons for iuvo's growth throughout the years.
In a specially dedicated section on our website's blog, we have shared information about when and how the repayment of the debt of the Russian lender Kviku to the investors on iuvo will happen.
Thank you once again for your feedback! We will continue to work hard in order to maintain your satisfaction from your investments on iuvo.
Best regards,
IUVO Team
They kept calling me to pressure me to…
They kept calling to pressure me to invest more money. I blocked their calling number.
UPDATE:
It is possible to change it in the settings and stop receiving calls.
Also in the settings, you can change which dashboard you want to see P2P rather than Iovu svings.
Yields is around 8,76%
19 July 2022
Unprompted review
Reply from Iuvo Group
Hello,
Thank you for your feedback!
Our support team regularly calls investors to assist them with their investments, to get feedback, to inform about promo terms, so you can generate more profit.
If you did not want to be contacted via phone, you could have just told our representative to not call you anymore.
In such cases, if your personal account manager has something to tell you regarding your investments, they will contact you via email only.
Best regards,
IUVO Team
Experience
I am using this site for more than one and half year and everything as prommised. I do recommend.
17 May 2022
Unprompted review
Reply from Iuvo Group
Hello,
Thank you for your feedback!
Iuvo strives to provide excellent service, attractive return, and plenty of additional opportunities to its investors.
We are glad to know that your experience with us meets your expectations.
Best regards,
IUVO Team
Scammers !
Scammers !
Ignore all reviews coming from BG (Bulgaria) and you will see what the real rating of the platform is. Low interest rate, huge number of default and delayed payments.
After 2 years of investments on the platform I'm -35%.
23 March 2022
Unprompted review
Reply from Iuvo Group
Hello,
Thank you for your feedback!
Iuvo is a licensed and regulated credit intermediary, and iuvo always fulfills all its legal obligations to the investors on the platform.
Your personal rate of return depends on the loans you have chosen to invest in. The interest rates of the loans are mainly between 5% and 13% on annual basis.
On iuvo, there is a score class for the specific borrower. It is based on their client profile and previous history with the given credit company. It shows you what the probability is for this borrower to delay payments. You can use it in order to increase the amount of regularly repaid loans in your portfolio.
Bulgarian investors are a big part of the users of the platform, therefore, it is expected to have reviews from them.
If you need any assistance with P2P investments and how the P2P business works, our team is always ready to help.
Best regards,
IUVO Team
Personal assistanse Denis…
I think that personal assistanse Denis from IUVO Bulgaria is great. He always responds, his help is quick and useful, which is very important for beginners like me.
18 February 2022
Unprompted review
Reply from Iuvo Group
Hello,
Thank you for your feedback!
Our team always strives to provide a high quality service to our investors. Denis is one of the most experienced members of our team.
Best regards,
IUVO team
fast and good response
fast , good performance and reliable
good response from helpdesk
no complaints
14 February 2022
Reply from Iuvo Group
Hello,
Thank you for your feedback!
Our team is here to help in a timely manner if you have questions or need assistance.
Best regards,
IUVO team
Return according to the expectation
Easy to invest. Easy to work with the WEB site. Return according to the expectation
14 February 2022
Reply from Iuvo Group
Hello,
Thank you for your feedback!
We are happy to know that your needs as an investor are met. Iuvo strives to provide an intuitive platform and is always looking for improvements.
Best regards,
IUVO team
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