IUVO Review (Peer to Peer Lending)

IUVO Review: Assessing one of the Peer-to-Peer platforms with the highest volume of investment opportunities in Europe.

Are you looking for a descent platform to invest in? If yes, you are in the right place. In this IUVO review, we take a closer look at one of the platforms with a high volume of loans, high interest rates, buyback guarantee and an interesting referral program. Read on and find out if it is for you.

iuvo review

IUVO overview

Peer to peer lending is becoming more popular by the day and more and more investors are looking for platforms to invest their money in while minimising the risk of losing all their money at the same time.

Iuvo group was launched in August 2016. It is registered in Estonia, licensed by the Financial Supervision Commission of Estonia and is part of FinanceEstonia. Iuvo is a peer-to-peer lending marketplace that deals with personal, mortgage, business and secured car loans.

The company operates in four countries, Romania, Bulgaria, Poland and Georgia as of 2019. Since its inception in August 2016, the platform has facilitated more than 43 Million Euros in loans with an average annual return of 9.2% for investors; in addition, it has a referral program if you wish to boost your earnings.

Opening an account on IUVO

The Iuvo platform has one of the easiest registration processes. The process is divided into three stages to make it easier for the user. The first stage only requires you to select the type of account you are opening, individual or company.

The second step requires you to fill in your personal details in the form provided, including your first and last name, Nationality and a working phone number. The final step requires you to add your working email address (the platforms sends a confirmation email) and set your password. The whole process takes less than 5 minutes. Opening an account on Iuvo is completely free.

Click here to open an account at IUVO

How to invest on IUVO

After completing the registration process on the site, you are required to confirm your email by clicking on the message sent from the platform. Your account will now be ready to receive funds. You can deposit funds to your account through a direct bank transfer or electronic payment services such as Paysera and TransferWise, the platform notifies you through email when the funds are available. To start investing, you will need to verify your account by uploading a copy of your ID or passport.

It takes about one working day for Iuvo to verify your documents and confirm them. The loans open for investment are accessed by selecting the ‘Primary Market’ or ‘Secondary Market’ buttons on the side bar.

The primary market consists of the loans offered by the any of the five originators on the platform. The secondary market comprises of loans bought by other investors and are looking to sell to other investors. The loans can be filtered using currency, risk level, status, term and interest rates. You can invest into either EUR, BGN or RON loans.

Types of Investments available at IUVO

The platform only deals with individual and business peer-to-peer loans. The loans are in three currencies, EUR, BGN and RON. All the loan originators on the platform provide buyback guarantee on all loans, this means that if the loan is delinquent for 60 days, the originator buys back all the loan shares at full value. This lowers the risk for the investor.

The loans on IUVO have interest rates of up to 15.22% depending on the level of risk it holds, the average annual rate of return is 9.2%. The platform requires originators to keep a 30% stake in the investment ‘skin in the game’ to ensure they maintain a bigger interest on the outcome of the loans issued.

iuvo loans

IUVO Auto Invest Tool

You can invest manually on the platform, but due to the large volume of loans on the platform, it offers an auto invest tool to make investing more convenient and to diversify your portfolio.

The auto invest tool provides many settings to enable you invest in loans you like. This tool enables you to choose the level of risk, maximum investment in one loan, country, interest rates among other settings. The auto invest tool works only on the primary market. You can also invest manually and using the auto invest tool at the same time.

How much can you earn on IUVO

The platform has an annual average of 9.2% with a maximum interest rate of 15.22% (as of 2019). The platform has no fees for investors and the only charge is 1% commission from all the deals on the secondary market which applies to the seller. The loans on the secondary market can earn more interest up to 1.8% per month. The annual return rate depends on the amount of risk the loan holds. The platform has listed loans amounting to 120 million EUR and more than 43 million EUR invested on the platform since August 2016.

The Refer-a-Friend program earns you 30 EUR for every friend who deposits 1000 EUR and 60 EUR for a total deposit of 2500 EUR, but you have to deposit and invest 1000 on the primary market to get into the program.

Below we can see how IUVO is growing fast in terms of investments:

iuvo investments

Who can invest on IUVO?

The platform is open to international investors. All investors must be at least 18 years old, have a bank account in the European Union or other countries with equivalent AML/CFT (Anti Money Laundering and Countering Financing of Terrorism) systems to the European Union.


  • Great returns – the platform has annual returns of up to 15.22% and an average of 9.2%. You can also choose to invest in high interest loans only.
  • Multiple currencies – investors can choose to invest in Euro loans, Bulgarian Lev (BGN) or Romanian Leu (RON).
  • Large number of available loans – the platform has a large volume of loans to choose from.


  • Buyback guarantee only covers the principle and not the interests.
  • The secondary market is not free; the platform charges 1% of the announced amount.

IUVO Verdict

Iuvo is a great platform for all investors, especially investors who can maximize their earnings by using the referral program. The same can be said for those using discounted loans and flipping delayed loans. The investors’ money has a buyback guarantee regardless of what happens with the loan.

In addition, all transactions on the platform are free for the investors, this gives the platform additional points.

Other Crowd Investing Resources

For those looking for other similar peer to peer platforms to invest, you may want to read some of our other reviews. There are many peer to peer lending and investing platforms currently available, and you can diversify your interest income by using several of them simultaneously.

You can consider some other peer to peer companies checking our Peerberry review and our Grupeer Review. Check our post on the best peer 2 peer lending platforms in Europe, and the best real estate crowdfunding platforms in Europe.

Are you already investing in Iuvo or in any other peer to peer lending platform? Leave your thoughts and questions about this Iuvo review below.

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