Iuvo Group Review: My P2P Investing Returns with Peer-to-Peer Lending Iuvo Group

Iuvo Group Review - My P2P Investing Returns with Peer-to-Peer Lending Iuvo Group
My Review on Iuvo Group P2P Platform
  • Invested in Iuvo Group - €1 500
  • Self-reported returns - 11.43%
  • Passive earnings per month - €12
  • Investing time on Iuvo Group - 18 months


Iuvo is a great way to diversify your P2P portfolio. I particularly like their buyback guarantee, which keeps my investment secured. I also like that I can spread my investment across many industries, countries, and originators. 

My self-reported internal rate of return for the past 18 months has been between 11.10% and 12%. This is an excellent return on investment when compared with the other P2P platforms I invest in.

Introduction to P2P Lending Platform Iuvo Group

Before proceeding with my Iuvo Group review, let’s explain to the beginners what Peer-to-Peer lending is.

What is Peer-to-Peer Investing?

Peer-to-peer lending, for short P2P lending, is a type of loan service, where a P2P business lends money to companies and individuals online and matches lenders with borrowers. The P2P services are often offered online as it is cheaper than the traditional financial institutions.

The result is that lenders earn higher returns compared to deposits and savings accounts, provided by banks. And at the same time, borrowers can borrow money at lower interest rates. 

Thanks to the development of the FinTech industry in the last 10 years, we are now able to earn interest rates on our cash higher than even. And we don’t even have to go to the local office to do so.

For the past 18 months, I have been actively investing in 18 platforms for P2P and Crowdlending platforms, and in this article, I will make a review on one of the most famous European Peer-to-Peer lending platform – Iuvo Group.

Let’s do this FIRE-starters!

Who is Iuvo Group?

Iuvo Group is a peer-to-peer marketplace for people who want to invest in peer-to-peer loans.

Investors can choose to finance loans for mortgages, business development, car loans, and consumer loans. The loan originators have 30 % skin in the game.

Iuvo Group account overview

What Type of Loans Iuvo Offers?

Iuvo offers a full overview of each loan; this includes the type of loan requested and the score of the loan. They also indicate a complete breakdown of the number of shares held by each party to the loan, including all investors and the originator’s shares.

Iuvo also indicates any collateral that has been put in place to guarantee the loan and fully explain the buyback process at this stage. This ensures the transparency of the loan process from the beginning. Investors do not need to search for any pertinent information; all the data provided is easy to access and accurate.

Buyback Guarantee on Iuvo

Iuvo’s buyback guarantee covers almost all loans on the platform; there are two key features that investors should be aware of: 

  • The originator operates a variable buyback guarantee that is 16, 30, or 60 days.
  • Your interest earned is not covered by the buyback, which means that while investors won’t lose money if a borrower is late or defaults, the performance of their loan portfolio will be less predictable as you won’t earn income while the borrowed money is in delay. However, there are late payment fees that are paid to you in case of a delay.

Who Can Invest with Iuvo Group?

Iuvo welcomes investments from companies as well as individuals. 

All individual investors must be over the age of 18 and hold a valid European Union bank account or one from a country that holds the equivalent CFT/AML system that operated in the EU.

Companies are expected to meet the same standards to qualify for these investment opportunities.

How to Use Manual Investing on Iuvo’s Platform

The primary market is easy to use and effective. It is generally straightforward to invest in Iuvo, and investors have the opportunity to sort and filter opportunities to meet their preferences.

Some of the significant filter functions investor use are; the loan originator, the borrower’s credit score (score class), type, and purpose of the loan requested. 

The primary market offers many loan investment opportunities, up to 23,000 different kinds of loans are available. This makes it an excellent platform for those savvy investors who know that a diverse investment portfolio is always a safer portfolio. 

How to Use Auto-Invest on Iuvo Group

Iuvo’s more seasoned investors have grown to trust the platform; they tend to utilize the automated investment tool. They are less risk-averse and understand that the time they waste searching for new opportunities when old investments mature could and should be better spent elsewhere. 

What you should do is to specify the parameters that they are comfortable to work within and let the algorithms that are built into the platform work for them. They do not want the hassle of dealing with the short turn around involved in most of Iuvo’s loans and are happy to “Auto-invest.”

Secondary Market

Iuvo also offers a secondary marketplace; this is open to most sellers and buyers. This market place has a 1% transaction fee for the seller, and as a consequence, it is a less active market. 

Investors still use this market as it offers the opportunity to liquidate your investment faster than the interest and down payments usually allow.

What is the Expected Return on Iuvo Group?

It is essential to clarify the difference between the interest charged on loan and the real rate of return realized by investors. 

The average interest rate on the platform varies from 5.03% to 14.88%; the annual average rate of return reported by the platform is closer to 9.20%. Of course, this is quite a conservative approach and is still an excellent return on any investment. You can definitely achieve at least an 11% return.

Is It Possible to Get This Average Annual Return?

Of course, if you operate a successful investment strategy, Iuvo state that you can gain an average annual return of 5.03% to 14.88%. To do this, all you need to do is invest and wait for the loans to mature. 

If you are operating a higher risk profile, you run the risk of delays on repayments that directly impact the average rate of return. Most investors report that an average return of 10-11% should be achievable with a diversified portfolio strategy. 

What Investors Should Know About Iuvo Group

The Registration Process

Iuvo makes registering very easy and straightforward. To create an account as an individual requires only a name, email, and password. As with any P2P lending platform, you will have to verify your identity, which will take only 5-10 minutes. 

How to Deposit and Withdraw Money on Iuvo

Making a Deposit to your investment account is achieved in three steps:

  • First, transfer funds to your Iuvo account using their listed funding methods. 
  • These funds should be available for investment within 1-3 business days, depending on the method used.
  • Funds are active on receipt of the confirmation email.

You can withdraw your funds at any time; all you have to do is click on withdraw funds and enter the amount you want. The transfer to your account usually takes 1-3 business days. 

Iuvo doesn’t place any withdrawal restrictions or any hidden fees when depositing or withdrawing money. However, some banks may charge for depositing and receiving money; ask your bank if they have fees for such services.

Reporting on Iuvo

Iuvo also provides all the statements and documents that you would expect to. These include detailed information on all transactions, invested funds, earnings received, and deposits.

Iuvo Support

Iuvo also provides a chat function; this allows all its customers to ask questions and chat with customer support whenever they need assistance. They are renowned for a short turnaround in their provision of solutions. 

Iuvo Group Awards

Forbes Business recognizes Iuvo as one of the top 3 startups in Bulgaria in 2016 and 2017. In 2019 Iuvo, has reached the impressive Runner-up position in the People’s Choice category of the prestigious AltFi Awards.

Which Are the Best Alternative P2P Platforms to Iuvo Group

Iuvo is a great and very stable platform. Since I like to diversify my investments, I also use alternative peer-to-peer platforms such as Swaper, Debitum, Peerberry, Robocash.

My Experience with Iuvo Group

Iuvo is a great way to diversify your P2P portfolio. I particularly like their buyback guarantee, which keeps my investment secured. I also like that I can spread my investment across many industries, countries, and originators. 

My self-reported internal rate of return for the past 18 months has been between 11.10% and 12%. This is an excellent return on investment when compared with the other P2P platforms I invest in.

Some links on this page may contain affiliate links, which means that I may earn a commission if you register through them. None of the posts on this blog have been sponsored. Opinions are mine.

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