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The P2P marketplace platforms offer its user the opportunity to make passive income through purchasing claims of loans that are already issued by non-bank lending companies (Originators), which the given platform is in partnership with.
The attractiveness of P2P platforms’ markets is determined by its originators and what they offer you. We gather the summarized information about each company iuvo works with at one place, so it is easier for you to get to know their loan characteristics.
Easy Credit
Easy Credit is the first originator on iuvo. The company is founded in 2005 in Bulgaria. Easy Credit is the leader in the sector of non-bank consumer lending in the country. They follow the business model of “home-collected” loans, where the signing of the contract, receiving the loan, and the repayment of the installments happens at the comfort of the client’s home.
You can find the loans of Easy Credit on iuvo in all score classes of borrowers, as it is good to know that their interest rate increases according to the score class.
Score class: A, B, C, D, E, HR;
Interest: from 7.90% to 14.25% depending on the score class;
Installment type: 7, 14 and 30 days;
Duration: mainly between 3 and 12 months, and some up to 24 months;
Buyback: 60 days, principal;
*Group guarantee by MFG.
Viva Credit
Viva Credit is founded in Bulgaria in 2012 and it is among the preferred lending companies in the country. It offers consumer loans with quickness and flexible terms, as it also grows in offering mortgage loans.
You can find the loans of Viva Credit on iuvo in all score classes of borrowers, as it is good to know that their interest rate increases according to the score class.
Score class: A, B, C, D, E, HR;
Interest: from 7.27% to 14.25% depending on the score class;
Installment type: 14 and 30 days;
Duration: mainly between 3 and 12 months, and some up to 24 months;
Buyback: 60 days, principal;
*Group guarantee by MFG.
Fast Finance
Fast Finance is founded in 2013 in Romania. It offers business loans with real estate as collateral. Our partnership with Fast Finance is the longest-standing one with a company outside of MFG.
Score class: A;
Interest: 10%-10.50%;
Installment type: 1 month;
Duration: between 12 and 60 months;
Buyback: 60 days, principal.
Ibancar
Ibancar is founded in 2014 in Spain. It becomes a partner of iuvo in 2019. The company has an innovative and patented business model, which combines consumer loan with auto loan. Their clients get financing by providing their personal automobile as collateral, and to date, this process is completely digitalized. Their business model is the key to the success of Ibancar because it allows effective collecting of receivables in a short span of time. The company also works hard on the development of their new business in Mexico.
Score class: A;
Interest: 11.50%-12.50%;
Installment type: 1 month;
Duration: 36 months;
Buyback: 16 days, principal.
NordCard
NordCard is a fintech company, founded in 2016 in Latvia. Their offer their clients a credit limit on a bank account and on a debit card. They strive for perfection an innovation, which leads to the positive growth of the company. The interest of their loans on iuvo is determined by the duration of the given loan.
Score class: A;
Interest: 10%-11%/12%;
Installment type: 1 month;
Duration: 36 months/60 months;
Buyback: 16 days, principal and interest.
Access Finance
Access Finance is founded in 2013 in Bulgaria. The company has a rich product portfolio and it is the leader in the sector of non-bank consumer lending through credit cards in the country. Access Finance relies on innovative technological solutions and impeccable customer service. The interest of their loans on iuvo is determined by the duration of the given loan.
Score class: A;
Interest: 8%/8.5%;
Installment type: 1 month;
Duration: 6 months/12 months;
Buyback: 30 days, principal and interest;
*Group guarantee by MFG.
Ocean Credit
Ocean Credit is founded in 2015 in Romania. It has a diversified range of products in the segment of consumer lending, and it is focused in 100% digital loans with quickness, accessibility and functionality.
Score class: A;
Interest: 10%;
Installment type: 30 days;
Duration: 6 months;
Buyback: 60 days, principal;
Co-debt by the UBO and the holding company OC Global Limited.
SN Finance
SN Finance is founded in 2016 in North Macedonia. Specialized in consumer lending, and successfully grow their insurance services and their product in partnership with Visa and a local bank – the first ever non-bank credit card in North Macedonia. Innovators with strive for growth, changing the landscape of non-bank financial services in North Macedonia. Part of the founders of the Association of the financial companies of North Macedonia (AFD), which has their owner as chairman.
Score class: A;
Interest: 10.40%-11%;
Installment type: 1 month;
Duration: from 12 to 60 months;
Buyback: 30 days, principal;
Co-debt by the UBO.
AXI Card
AXI Card is part of the business of Access Finance. The company is founded in 2021 in Spain. It offers accessible, innovative and flexible terms through its card product, which is entirely focued in the segment of consumer lending. The interest of their loans on iuvo is determined by the duration of the given loan.
Score class: A;
Interest: 8%/8.5%;
Installment type: 1 month;
Duration: 6 months/12 months;
Buyback: 30 days, principal and interest;
Co-debt by Access Finance;
*Group guarantee by MFG.
Mi Prestamo
Mi Prestamo is a young and ambitious company that operates in Spain since 2023. It gives its clients the possibility to apply online at any time, in order to receive financing in a quick and easy way.
Score class: A;
Interest: 9.5%;
Installment type: 1 month;
Duration: 3 months;
Buyback: 30 days, principal and interest;
Co-debt by Easy Credit;
*Group guarantee by MFG.
Kredis
Kredis is an innovative and highly technological company that operates in Croatia since 2022. It is rapidly gaining momentum locally and has achieved a positive financial result even in its first year.
Score class: A;
Interest: 9.5%;
Installment type: 1 month;
Duration: 4 months;
Buyback: 30 days, principal and interest;
Co-debt by Easy Credit;
*Group guarantee by MFG.
Swiss Funds
Swiss Funds is founded in 2022 in Czech Republic. They offer consumer loans with one-time payment with a fully digitalized process based on automations.
Score class: D;
Interest: 10.4%;
Installment type: from 15 to 30 days;
Duration: from 15 to 30 days;
Buyback: 60 days, principal and interest;
Co-debt by the UBO and Orka Group Services.
Easy Business
Easy Business are a type of business loans, issued by Easy Credit to other companies of MFG, as part of the Group’s culture for collaboration and mutual aid between the companies.
Score class: A;
Interest: 9.35%;
Installment type: 1 month;
Duration: 12 months;
Buyback: 30 days, principal;
*Group guarantee by MFG.
Get informed about what the market on iuvo offers you, get to know the originators and choose those of them, whose loans meet your criteria and bring you closer to your goals. Diversify. Make your money work for you!
*Group guarantee is to support the companies, part of the same administrative structure, with financial and other resources, with the goal each of them to grow and to improve its financial results.
On iuvo, there is a group guarantee for all loan originators, part of Management Financial Group (MFG) – the owner of iuvo.
Thanks to the group guarantee, in the unlikely event of insolvency of a credit company, part of MFG, the investors will keep receiving payments.
**Information for the article is prepared in May 2025. It will be updated periodically and when it is necessary.
