Last Updated: 26.07.2021. Date when the basic information was updated
Loans Originated Total volume of loans issued by this company to borrowers since its founding.
€ 478 M
Loan portfolio Loans issued by the lending company to borrowers at the time of the most recent financial statement that are current or less than 60 days late.
€ 83.7 M
Buyback obligation A credit enhancement given by the lending company or other entity to the Issuer for a particular Set of Notes. If an underlying loan is more than 60 days late, the lending company is obligated to buy back the investment at nominal value plus accrued, outstanding or late interest. Usually, this means investors will be able to recover their investment in case of a borrower default.
With a buyback obligation
Skin in the Game To ensure the interests of a lending company and investors are aligned, the company is required to keep a stake of each investment opportunity it offers through Mintos. This is called the company's skin in the game.
Average Interest % The weighted average interest rate of investment opportunities from this lending company.
Joined Mintos:
Jun 2017
Loan Types: The type of linked assets the lending company has issued.
Car loan Car loan
Personal loan Personal loan
Short-term loan Short-term loan
Countries: Countries in which the linked assets were issued by the lending or rental company.
Currencies: Currencies in which investment opportunities from the company are offered.
Annual percentage rate charged to borrowers:
Outstanding investments: Total volume of outstanding and available investments from this company on Mintos. Updated daily.
34 309 466
Schedule extension: During the first 30 days after the due date of a loan payment, the borrower can opt for extending the loan payment schedule. The maximum number of extensions depends on the loan agreement and can't be more than 6. If the lending company agrees, the loan will be automatically updated, with the new schedule, and the due dates for all outstanding payments will be extended by up to 31 days. Investors will continue to earn the same interest throughout the remaining loan term.
Up to 6



IuteCredit Group – established in 2008 – is a leading European fintech company. The Group is specialized in consumer finance and payment services via its 100% subsidiaries. Iute serves customers currently in Moldova, Albania, North Macedonia, Bulgaria as well as Bosnia and Herzegovina under the “MyIute” and “IuteCredit” brands, while it is expanding its services, geographies, and brands ecosystem.


Group’s core loan products are unsecured installment loans and buy-now-pay-later loans with maturities between 1 month and 48 months and collateralized loans with maturities up to 72 months. Loans are provided over the webshops, Iute’s website, MyIute app, network of branches, merchants, and partners.


Iute’s payment services vary from country to country between full-range solutions provided as a bank, and partial solutions subject to the license issued in any given country.  Group operates its own ATM network that is accessible with the MyIute app.  


Group finances its loan portfolios with equity, with secured bonds that are on the main list of Frankfurt Stock Exchange and Nasdaq Baltic, and with deposits (as a bank inside a given country).


The mission of IuteCredit is to create the extraordinary experience in personal finance by exceeding customers' expectations.



Last Updated: 23.11.2022

Last Updated: 27.10.2022