For many happier returns

Investing with QuidCycle is a welcome way to earn a higher rate of return — up to 6.1%. What’s more, our innovative peer-to-peer platform means you’ll be helping out responsible UK borrowers achieve financial success.

"QuidCycle: An innovation to Watch"

Jonathan Moules - The Financial Times

"An interesting idea looking to help people clear debt and educating them in the process"

Andrew Hagger - The Independent

"...help clients stick to a debt consolidation programme"

Iona Bain - FT Advisor

"QuidCycle: An innovation to Watch"

Jonathan Moules - The Financial Times

"An interesting idea looking to help people clear debt and educating them in the process"

Andrew Hagger - The Independent

"...help clients stick to a debt consolidation programme"

Iona Bain - FT Advisor

"QuidCycle: An innovation to Watch"

Jonathan Moules - The Financial Times

"An interesting idea looking to help people clear debt and educating them in the process"

Andrew Hagger - The Independent

"...help clients stick to a debt consolidation programme"

Iona Bain - FT Advisor

Investing for a brighter future

Select your investment type from the list below and see how QuidCycle can help you earn a healthier return on your money. As with all investments, your capital is at risk and is not protected by the Financial Services Compensation Scheme (FSCS). See Understanding Risks.

Interest Earned
Years
Regular Investment
5.2% Return
 
-
+
£300
Lump Sum Investment
6.1% Return
 
-
+
£10,000
* Calculations assume reinvestment and a minimum term of 5 years of SwiftInvest.
* Borrower calculations based on QuidCycle customer data up to Nov 2015, assuming an average loan size of £10k and effective APR of 6.9%.

 

Over 5 years, you would gain £5,065 in interest.

 

 
With, QuidCycle this investment could impact 188 responsible borrowers on their route to financial success.
(You would reduce their interest by £12,264 and save them 5.37 years of repayment!)
*Every investment carries risk.

You’re well protected

Provision Fund

Our Provision Fund provides a buffer against missed or late payments. It does not provide a guarantee. Your capital and interest are at risk if the Provision Fund is depleted by increased defaults.

Funds Spread Across at least 5 responsible borrowers

Our investors funds are spread across a minimum of 5 borrowers to limit their risk exposure.

Regular reviews and working with Borrowers

We actively work with our borrowers to ensure they are on track by having regular reviews and offering financial education.

Robust Credit Checks

Our borrowers are thoroughly screened. We assess their credit behaviour over a 3 to 5-year history.

Segregated Client Account for client funds

Our investors’ funds are kept in a separate bank account from our bank account.

Provision Fund

Our Provision Fund provides a buffer against missed or late payments. It does not provide a guarantee. Your capital and interest are at risk if the Provision Fund is depleted by increased defaults.

Funds Spread Across at least 5 responsible borrowers

Our investors funds are spread across a minimum of 5 borrowers to limit their risk exposure.

Regular reviews and working with Borrowers

We actively work with our borrowers to ensure they are on track by having regular reviews and offering financial education.

Robust Credit Checks

Our borrowers are thoroughly screened. We assess their credit behaviour over a 3 to 5-year history.

Segregated Client Account for client funds

Our investors’ funds are kept in a separate bank account from our bank account.

Provision Fund

Our Provision Fund provides a buffer against missed or late payments. It does not provide a guarantee. Your capital and interest are at risk if the Provision Fund is depleted by increased defaults.

A fairer deal for all

Peer-to-peer lending is safe and secure, but the best thing about it is everybody wins. As you help people achieve their goals, you will also achieve yours.

Invest Now
 

Every Investment carries risk. Your capital is not protected by the Financial Services Compensation Scheme (FSCS). Find out more on our Understanding Risks page.

6.1%

Lump Sum Investment
*Capital At Risk.

Prepare

Free up cash to start investing

Free up cash to start investing

We refinance your high interest credit cards and loans to clear them earlier and free up cash to grow your investment.

Learn

How money can work for you

Learn how money can work for you

Learn hints and tips on how money works and how you can make money work harder for you.

Invest

Start earning healthy returns

Start earning healthy returns

Get your money to work, earning healthy returns of up to 6.1%, whilst making a social impact.

Free up cash to start investing

We refinance your high interest credit cards and loans to clear them earlier and free up cash to grow your investment.

4 simple steps to be a savvy investor

 

Top up your funds in your Member Account

 

Create an offer to invest that matches

 

When your offer is matched, watch it grow!

 

Complete a quick 5 minute application

 

Top up your funds in your Member Account

 

Create an offer to invest that matches

 

When your offer is matched, watch it grow!

 

Complete a quick 5 minute application

 

Top up your funds in your Member Account

 

Create an offer to invest that matches

 

 

 

Every Investment carries risk. Your capital is not protected by

the Financial Services Compensation Scheme (FSCS).

Find out more on our Understanding Risks page.

"I chose to invest with QuidCycle because I like the ethos behind it."

Ian, Greater London

"Really friendly staff who go out their way to try and help you."

Alexis, Kent

"I love QuidCycle's values - Not just giving people loans, but also providing financial education."

Kathryn, Greater London

"I chose to invest with QuidCycle because I like the ethos behind it."

Ian, Greater London

"Really friendly staff who go out their way to try and help you."

Alexis, Kent

"I love QuidCycle's values - Not just giving people loans, but also providing financial education."

Kathryn, Greater London

"I chose to invest with QuidCycle because I like the ethos behind it."

Ian, Greater London

"Really friendly staff who go out their way to try and help you."

Alexis, Kent

"I love QuidCycle's values - Not just giving people loans, but also providing financial education."

Kathryn, Greater London

Frequently asked questions

What is peer-to-peer lending?

Peer-to-peer and peer-to-business are relatively new concepts in the field of lending and borrowing. Classically individuals (or businesses) would save their money in a bank, and the bank would then lend that money to other individuals or businesses. P2P removes the bank from this process. This process can also be referred to as social lending or crowdfunding.

Who can invest through QuidCycle?

You need to be over 21 years old, a UK Resident and have a UK bank account. You can also invest as a limited company, charity, partnership, sole trader or local government. As long as investing money does not form part of your business activities, then you can invest with us.

Is there a minimum or maximum amount that I can invest on the platform?

For both FlexInvest and SwiftInvest, we require a minimum of £500 on initial deposit. For RegularInvest, you can start investing with a minimum of £100 monthly. You can top up your existing offers with a minimum of £100 for FlexInvest. 

Loan Amount £3,700

Loan Term 3 Yrs

Start your account by choosing how you would like to invest below

Note: This is where the majority of your income comes from.
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