P2P Platform

Iuvo Group Review

iuvo Group Review: Is it good? Don't invest before you read this!

14 March 2023
Iuvo Group

Narva mnt 5, 10117 Tallinn Estonia

Review result

4.1 of 5

iuvo Group

Basic Information Basic Information

Founding Date:
June 2016
Funded Loans:
not available
Investor Protection:

Interest & Red Flags Interest & Red Flags

Minimum Interest Rate:
Maximum Interest Rate:
Average Interest:
Red Flags:

Loans Loans

Minimum Investment:
Minimum Investment Term (Months):
Maximum Investment Term (Months):
Loan Originators:
Payday Loans:
not available
Personal Loans (Consumer Loans):
not available
Business Loans:
not available
Real Estate Loans:
not available
Other Loans:
not available
not available
Worst Rating:
Best Rating:

Features Features

Manual Investing:
not available
Automatic Investing:
not available
Buyback Guarantee:
not available
Secondary Market:
not available
Tax Report:
not available

Fees Fees

Investing Fee:
Deposit Fee:
Withdraw Fee:
Two withdrawals per month are free of charge. After that, a fee of €1 is charged for each additional withdrawal.
Accounting Management Fee:
Secondary Market Selling Fee:
Secondary Market Buying Fee:

What is iuvo?

Infographic: how does iuvo group work

iuvo is a P2P platform from Tallinn, Estonia, founded in 2016.

It is majority owned by Management Financial Group (MFG) from Bulgaria.

On iuvo, you can invest in the loans of loan brokers (loan originators), a large number of which also belong to Management Financial Group.

Since the platform itself does not provide P2P loans, it is also called a P2P marketplace.

Since its inception, the platform has funded loans worth approximately €500 million, making it one of the largest P2P platforms in Europe.

How does iuvo earn money?

iuvo makes its money from commissions charged by loan brokers.

At the moment, this is the only way to earn money, as almost no fees are charged by investors.

Who owns iuvo?

The platform is majority owned by Management Financial Group (MFG) with more than 90%.

The remaining shares are presumably distributed among the people who were involved in the founding of the platform. However, this is not known exactly.

iuvo is officially supervised by the Estonian Financial Market Authority, which speaks for a reputable company.

Furthermore, the platform has been able to finance loans worth approximately €500 million.

For these two reasons mentioned above, we have no doubts about the safety of the platform and the legality of the business model.

How does iuvo work?

If you want to invest on iuvo, you first need to register and then deposit money into your account via a bank transfer.

By the way, with a first transfer to your account you also confirm the bank account to which you can withdraw money in the future.

The only condition for new investments is a minimum investment amount of 10 € and you can invest either manually or automatically.

You can invest both on the primary market (initial issuance of loans) and on the secondary market (loans from other investors).

How can I invest on iuvo?

On iuvo you can choose each loan you want to invest in individually.

This can make sense if you are new to the platform and want to invest your investment amount quickly.

In this context, you can also use the secondary market if not enough loans on the primary market meet your requirements.

Otherwise, you can also invest automatically on iuvo with the Auto Invest feature.

You only need to specify once in which loans you want to invest and then the rest is fully automatic.

No other Auto Invest that we know of can be set as precisely as the one on iuvo.

Which is a nice option on the one hand, but is also a bit confusing in parts in our opinion.

Among the settings, however, the most important ones in our experience are offered:

  • Investment per credit,

  • Risk assessment (risk classes),

  • loan types,

  • interest rate,

  • country,

  • credit intermediary and

  • remaining term.

With the large range of functions, we would also have expected that Auto Invest could also automatically invest in the loans on the secondary market.

Unfortunately, this is not possible.

What is iuvoSave? Is it worthwhile?

In addition to manual and automatic investing, you can also invest via iuvoSave.

This is an investment program that invests for you fully automatically and promises you a fast availability of your money.

If you invest on Bondora, the program will look very familiar to you.

With iuvoSave, three options are offered:

  • 5%, with a term of 3 months,

  • 6%, with a term of 6 months, and

  • 7% with a term of 12 months.

In the program you have the possibility to withdraw your money at any time, but only up to an amount of 10,000 € per month and for a fee of 1% of the investment amount.

To what extent this program really has a great added value for investors, we think is questionable.

Most loans on iuvo have short terms of up to 30 days anyway and offer much higher interest rates on top of that, which already makes the promised interest rates on iuvoSave not look very attractive.

Furthermore, we think that if you can\'t wait at least 30 to 60 days for your money, it\'s best not to invest in P2P loans at all.

And then there is the secondary market where you can sell your loans if you really need to get your money very urgently.

Can I get a bonus for investing on iuvo?

You can get a 1% cashback on your investments after your registration.

For the calculation of the cashback your investments during the first 60 days after your registration will be taken into account.

However, we can not invite you via a bonus link, because it simply does not exist.

However, you can send us a message and we will invite you to the program.

What warning signs should I be aware of with iuvo?

At the moment we have not noticed any warning signals with iuvo.

Review result Review result

with all advantages & disadvantages

Safety (40.00%)


Gewichtigung: Age: 40.00%, Funded Loans: 40.00%, Regulation: 20.00%.

Age: 6 Years
5.00 / 5

The platform is older than 5 years. In the past, sudden failures of platforms that have been on the market for such a long time have occurred very rarely.

Funded Loans: €347,659,300.00
4.00 / 5
Regulation under-average
5.00 / 5

The platform is officially regulated, which greatly increases security.

Interest and Risk (40.00%)


Gewichtigung: Average Interest: 50.00%, Red Flags: 50.00%.

Average Interest: 8.00%
2.48 / 5

under-average The average interest rate is low compared to other platforms.

Red Flags: 0
5.00 / 5

over-average over-average The platform has no red flags that investors should pay attention to.

Features (20.00%)


Gewichtigung: Automatic Investing: 20.00%, Buyback Guarantee: 20.00%, Secondary Market: 20.00%, Tax Report: 20.00%, App: 20.00%.

Automatic Investing under-average
5.00 / 5
Buyback Guarantee under-average
5.00 / 5
Secondary Market under-average
5.00 / 5
Tax Report under-average
5.00 / 5
App under-average
0.00 / 5

Gesamtpunktzahl: 4.1 of 5

Hinweis: Although we take every care to ensure the accuracy of the information and the representative example, no warranty can be given with regard to the correctness, accuracy, timeliness, reliability and completeness of the content. All information is based on the available information from the provider.

Last updated on 14 March 2023