IUVO review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
IUVO suits small, patient lenders who want a low entry size and a stated target return, and who can live without a buyback guarantee. Entry starts at €10 against a category median of €50, and a secondary market gives room to sell before repayment.
Key facts
- Best for
- A small starting outlay in European peer-to-peer lending, with a secondary market as the exit route.
- Target return
- 5% to 15% (Source, checked September 26, 2026)
- Minimum investment
- €10 (Source, checked September 26, 2026)
- Buyback guarantee
- No (Source, checked September 26, 2026)
- Secondary market
- Yes (Source, checked September 26, 2026)
- Legal entity
- IUVO GROUP OÜ (Source, checked September 26, 2026)
- Headquarters
- Estonia (Source, checked September 26, 2026)
- Founded
- 2016 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Official website
- iuvo-group.com
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
Pros
- The minimum investment of €10 sits well under the peer-to-peer median of €50, putting IUVO at position 4 of 23 brands on this measure.
- A target return of 5% to 15% is set out as a plain range, and its top end is above Mintos at 9.2%.
- A secondary market is available, so a loan can be sold before the borrower finishes repaying rather than held to the end.
- Support runs on email, phone and help centre, so a question can go out by email or by phone, with a help centre for written queries.
- The platform has traded since 2016 under the legal entity IUVO GROUP OÜ, which gives a track record to judge.
Cons
- There is no buyback guarantee, so a loan that goes unpaid stays with the investor.
- The target return of 5% to 15% is a wide range rather than a promised yield, and its top end is far below the 197.6% Afluenta states.
- Contact options are limited to email, phone and help centre.
Who it suits
- Investors who want a small starting outlay and can fund a loan from €10.
- Lenders comfortable holding to repayment, with a stated target return of 5% to 15% and no buyback guarantee behind the loan.
- People who want a phone line as well as email, since support runs on email, phone and help centre.
Who should look elsewhere
- Mintos readers who would rather plan around a point target return of 9.2% than a spread.
- Nectaro readers who want a higher floor, since Nectaro states 10% to 14% while 5% to 15% starts lower.
- Afluenta readers chasing the far higher stated return of 197.6%, which 5% to 15% does not approach.
Returns and risk
IUVO publishes a target return of 5% to 15%, which is a stated range on the loans you fund rather than a fixed payout. The width of that range matters: the low end is a modest annual figure and the top end only arrives on loans that behave well, so the sensible planning case sits below the ceiling. On the risk side, there is no buyback guarantee. A borrower who misses a payment leaves that loss with the lender, and the target return does not absorb it. The offset is a secondary market. IUVO runs one, so a loan can be sold before the borrower has repaid it in full, and that is the main route to cutting how long money is tied up. The catch is that a sale only completes if another investor agrees the price, so the exit is market driven rather than assured. Read the two together: a secondary market without a buyback guarantee gives flexibility on timing, but no backstop on the loan itself.
Who runs it
The platform runs as IUVO GROUP OÜ, headquartered in Estonia and trading since 2016. That is the legal name standing behind the loans you fund, and the trading record shows how long the company has been in business, which matters when you are lending your own money rather than holding a listed share. Support runs on email, phone and help centre, covering email, a phone line and a help centre, so a question about a payment or a loan can be raised in more than one way. The practical detail to hold on to is the legal name: it should match what appears on your account before you fund anything.
How IUVO compares
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Frequently asked questions
What return does IUVO target on the loans it funds?+
IUVO states a target return of 5% to 15%. That is a range published by the platform, not a guaranteed yield, and it is the figure to plan around when sizing a portfolio. The lender holds the loan until the borrower repays, so the result depends on the borrowers behind your funded loans, and there is no buyback guarantee to cover a shortfall.
How much do I need to start investing with IUVO?+
The minimum investment is €10, a small enough ticket to test the platform with a modest sum. Across the peer-to-peer platforms compared, the median minimum is €50 and the range runs €0 to €100,000. Entry size says nothing about the return, which is stated separately as 5% to 15%.
Can I sell a loan before the borrower finishes repaying?+
IUVO runs a secondary market, so a loan can be sold before repayment is complete. There is no buyback guarantee behind the loan, so a sale depends on another investor taking it at a price you accept. The target return of 5% to 15% applies while the loan is held, and selling early can shorten that holding period.
Who is the legal company behind the platform?+
The platform runs as IUVO GROUP OÜ, headquartered in Estonia and trading since 2016. That is the legal name standing behind the loans you fund, and the trading record shows how long the company has operated. Because the lender carries the loan, it is worth checking that the entity matches the name on your account before you fund anything.
How do I get help if a payment looks wrong?+
Support runs on email, phone and help centre, so you can write by email, call the phone line or use the help centre. There is no live chat in that list, so a question about a late payment or a failed transfer may be quicker by phone than by email. Keep your loan references handy, since the same routes cover account and loan questions.
How does IUVO compare with other peer-to-peer platforms on return?+
Mintos states a point target return of 9.2%, Nectaro states 10% to 14% and Afluenta states 197.6%. IUVO's own figure is 5% to 15%, which starts lower than Nectaro and ends higher. Headline returns across this group vary a lot, so a stated number on its own is a poor guide to what you would earn.
How much of my money is genuinely at risk here?+
The site tracks a retail loss percentage for the platforms it covers, with a median of 70.15% and a range of 40.3% to 88%. That figure describes retail trading losses rather than loan default rates, so it does not carry across to peer-to-peer lending. Default exposure is the real question, and it sits with the lender because there is no buyback guarantee.
How does IUVO score on our rankings?+
IUVO's overall score is 7.9 and the cost part of it is 7.9. On minimum investment it ranks at position 4 among 23 brands compared, so the small entry size is where it stands out most. A score is only a summary, so read it beside the stated target return of 5% to 15% and the missing buyback guarantee.
Sources
- iuvo-group.com checked September 26, 2026
Backs: Buyback guarantee, Headquarters, Legal entity, Support channels
“IUVO GROUP OÜ does not guarantee the collectability and/or recovery of receivables.”
- iuvo-group.com/en/faq/general_questions checked September 26, 2026
Backs: Founded, Target return
“Iuvo was founded in July 2016 as a P2P portal”
- iuvo-group.com/en/faq/investing checked September 26, 2026
Backs: Minimum investment, Secondary market
“The minimum amount to purchase receivables from one loan on primary market is 10 EUR.”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
IUVO
A small starting outlay in European peer-to-peer lending, with a secondary market as the exit route.