Edited on 26/02/2022 / Total invested: 31€




  • Collateral, with each originator covering 20% of each loan and Buyback
  • Great diversity of projects and originators
  • Constant publication of statistics and updates


  • Very low average return
  • Continuous delays
  • Secondary market charges 1% to the seller


  • In December 2020 I invested €200 in them
  • I am starting to withdraw my investment from October 2021 because the return is not reflected in the monthly account and is far below the expected return. In addition, they charge 4.5% for each currency exchange, which is a total abuse

IUVO general features

Country of originEstonia / Bulgaria
Year founded2016
GuaranteesCollateral, each originator covers 30% of each loan and 60-day Buyback.
Secondary marketYES, charges 1% to the seller
min-max investmentFrom 10€. No upper limit
Return estimated4,40% (VivaCredit) – 20%(Kviku in RUB) p.a.
Investment periods2-60 months
Support rating9 / 10
Official supervisionYES, by the Estonian Financial Supervisory Authority, which requires quarterly reporting

IUVO latest news

15/02/2022They publish their January results, with regular figures and a decrease in interest paid to investors
06/10/2021Launch of the IuvoUP product, with a fixed return of 3% for 6 months and 4% for 12 months with immediate liquidity
31/08/2021EasyCredit and VivaCredit lower their buyback from 60 to 30 days
20/07/2021Iuvo turns 5 years old and brings new benefits to those with +10K invested
28/06/2021Adwisers, Easy Credit, Fast Finance and NordCard report annual results
07/06/2021Access Finance, new originator in Iuvo
21/05/2021Ibancar reports excellent first quarter results
22/04/2021Kviku publishes its 2020 audited results (+40% gross profit).
iCredit Romania generates €1.36 million gross profit in 2020
18/01/2021Iuvo publishes its annual statistics. You can see the details here
17/12/2020Iuvo reaches milestone: €150 million in funding and 23,000 investors