Empresa fiable y si tienes algún problema te lo solucionan o te lo explican, en kviku es rusa y tengo inversion espero que en 2025 se pueda retirar el dinero por lo demás si no pagan a los 60 dias te abonan el dinero asi que nunca pierdes.
Parece una buena plataforma, pero uno de sus originadores, CBC, a través del cual se me había invertido mucho capital en préstamos, ha resultado ser insolvente y tengo pocas esperanzas de recuperar mi dinero. La plataforma ha informado que ha emprendido acciones legales contra el originador. Según como se acabe resolviendo este tema cambiará mi opinión sobre la plataforma.
Aún no hace un mes que inicie mi andadura con IUVO. Es pronto para que esta reseña tenga auténtico valor, pero lo cierto es que mi experiencia, hasta el momento, es muy positiva. Los tramites de inscripción son sencillos y alguna duda que tuve me la resolvieron por teléfono, con una atención, en español, super amable y eficaz
de mis prestamos, el 95 % esta con retraso
De momento muy bien. Llevo poco tiempo con lo que todavía es pronto para hacer una valoración definitiva, pero parecen serios y cumplen. Creo que deberían aumentar el nivel de seguridad para acceder a la cuenta (por ejemplo; Google Autenticador)
Intereses generalmente altos y hasta ahora ningún problema.
Bueno, pero sería aun mejor si la garantía de recompra incluyera los intereses no devengados.
Muy buena plataforma de inversión. saludos
Pocas oportunidades para invertir por encima del 10%, y una cantidad considerable de préstamos que no son rentables porque son devueltos con la garantía buyback al 0%.
Muy buena plataforma p2p.
no paga intereses de los prestamos de mas de 60 dias de mora. tiene poca oferta ultimamente y los intereses han bajado mucho en las ultimas semanas. Si no mejora voy a empezar a retirar dinero.
Intereses menguantes
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Es mi cuarto mes con IUVO y en general es una plataforma confiable y digna a tener en cuenta, tiene su propio estilo como la variedad de formas de pago, a 7, 14, 15, 30, etc. dias que hay que conocer a diferenciar inicialmente pero luego se comprenden bien. Dispone de una gran variedad de inversiones de diferentes tipos y lugares con intereses bien ajustados, aún no he podido comprender porque mis caluculos de rendimiento están por debajo de los estimados por la plataforma pero asumo que mi inexperiencia influirá en esa metrica. No obstante sin quejas en cuanto a funcionamiento general y rápida respuesta a asesorías y retiros cuando es necesario. Muy bien
distintos ratings, garantía de recompra, multitud de préstamos
I'm satisfied by the moment, thank you very much.
He sido inversionista en IUVO por 2 años, y hasta ahora no he tenido problemas, la plataforma es transparente, valida la información realiza el KYC(Know Your Customer) y responde a mis solicitudes, aunque estoy en Colombia. Como inversionista hay que saber evaluar el riesgo de los acreditados, y nunca invertir mas de lo que estes dispuesto a perder.
Soy inversor de Iuvo desde hace casi dos años, y al principio no me aclaraba con el buscador, pero ya que no lo mejoran, me acostumbré, y guardando la configuración, todo OK. Escribo esta opinión porque me he llevado un desengaño con mis inversiones en rublos rusos, dan más interés, si, pero se comen con creces ese extra cuando haces el cambio de divisas, y lo peor, no te informan de sus comisiones, te ponen el precio de cambio, y si lo comparas en Google a cuanto está el cambio, ves ahí una comisión de cambio desorbitada. Ahí esta la poca honestidad en este punto, Mintos por ejemplo, te pone lo que te cobran de comisión, y ya tú decides, éstos no, y se han comido buena parte del interés que había conseguido. Pongo la opinión, porque ahora es la única forma que tenemos los usuarios de hacernos oír.
I am investing in Iuvo 8 months so far. Return is good - about 10%. Big choice of loans from different originators. The company behind Iuvo is MFG - quite solid and profitable. Recommend !
I lost money with CBC
Lost 5k€ No explanations. Figured it out when i tried to get my money back. Fortunately I didn’t wait too long to get out of there otherwise I would have lost much more.
1500 euro in recovery since years, doubt i will get that back. stay away and buy the us500 index!
Maybe I am lucky to be a more recent investor than others, but what I have experienced in the last months is very ok . Offers, payments ,interests are satisfying. Hope they continue doing so
I lost 13K+ EUR on this platform in 2020. The "buyback guarantee" is BS. It's 2025 and money is still just a number in the screen that can't be converted to cash.
Solid, steady trustfull. Everything works as expected. Average 3Years APR: 9.5%, Last 3m. APR 9.4%, Last 6m. APR. 9.9%, Current status: 75.5%
On the plus side, their customer support is responsive and helpful. They will even call you if they need to clarify something. Payments are processed quickly and accurately. However, the website is a bit clunky and difficult to use. It can be cumbersome to sell multiple investments at once, and if you have a large portfolio, it can be time-consuming to sell them individually. Additionally, there are some investments that were supposed to be fully covered, but have not been paid out yet, even though they are overdue 150+ days.
I had a loan originator default with ,,buyback guarantee'' in 2020 2024 and I still haven't seen a $ recovered.
It all seems good until it doesn't. At first my experience was good, but they don't communicate clearly enough about the risk you're taking. Buy back guarantee makes it seem like a low-risk option, but if the loan originator goes bankrupt (which is not that uncommon), the buy back guarantee doesn't mean anything. My remaining investments have been stuck in a bankruptcy proceeding for years and somehow the interface still shows a 9.74% annual return (how?!). So not sure what they do / don't take into account for the "average annual return" they mention.
Unfortunately, Russian loans are in limbo without any information or updates. All other P2P companies try to repay at least some/even little amounts of money (such as Twino, Peerberry) or constatntly provide updates regarding actions taken (such as Mintos). Iuvo is completely silent. I am pretty sure one day they will quetly move them from "in recovery" to default. The interest rate on IuvoSave and P2P are no longer competitive in the market. I had to contuct support twice in last two years. There was delay in response or response was not useful.
Not trustworthy. Buyback guarantee is worthless. Waiting on my money on various investments for years. They neither provide updated information nor is there any progress whatsoever on getting my money. If you want to see your money again avoid Iuvo!
I've been with Iuvo now for just over two years with about €25k invested. I avoided Russia luckily other than buying a few hundred of defaulted loans on the secondary market at a discount just to see what happened. Honestly to date everything has been fine and I can't really say much negative other than the Russian funds don't seem to be being resolved quickly as per my PeerBerry funds. Otherwise boring but steady investments with good returns that I can't really complain about. P2P Empire suggests they need to be a little more transparent but with the size of the parent company behind them I feel fairly comfortable. If they manage to resolve the Russian issues a bit faster I would def give them 5 stars.
They kept calling to pressure me to invest more money. I blocked their calling number. UPDATE: It is possible to change it in the settings and stop receiving calls. Also in the settings, you can change which dashboard you want to see P2P rather than Iovu svings. Yields is around 8,76%
I am using this site for more than one and half year and everything as prommised. I do recommend.
Scammers ! Ignore all reviews coming from BG (Bulgaria) and you will see what the real rating of the platform is. Low interest rate, huge number of default and delayed payments. After 2 years of investments on the platform I'm -35%.
I think that personal assistanse Denis from IUVO Bulgaria is great. He always responds, his help is quick and useful, which is very important for beginners like me.
fast , good performance and reliable good response from helpdesk no complaints
Easy to invest. Easy to work with the WEB site. Return according to the expectation
I have been using Iuvo for some time, but after a careful analysis of my repayment schedules, I must highlight a significant lack of transparency regarding actual returns. Although the Assignment Agreements (Principal Terms) clearly state specific interest rates (e.g., 10%) and explicitly list "Fees: 0.00 EUR," the actual interest credited to my account is systematically lower by approximately 0.5% - 0.7%. This discrepancy is even visible within their own provided repayment plans, where the "Total Interest" calculated often shows two different figures: a theoretical one and a lower one actually distributed to the investor. It appears that a "hidden fee" or an "originator share" is being deducted at the source without being clearly disclosed as a cost in the public Fee List or at the time of investment. This practice makes it impossible for investors to accurately compare different Loan Originators and undermines the trust in the advertised rates. I expect a Fintech platform to show the "Net Yield" clearly, rather than a gross rate that is subject to undisclosed deductions. I hope Iuvo will address this and improve transparency for all users.
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