The borrower timeline

Meet Cubie, he’s just like you and me, making his way through the highs, lows, and in-betweens of life.

Debt

£2,500

24% APR

Debt

£2,500

24% APR

Cubie lands a job

Cubie gets his first foot on the career ladder working in a local shop. He’s a people person, so it’s right up his street. (But he did decide to buy a T.V., some nice clothes and a smart phone as a treat!)

 

Debt

£3,700

26% APR

Cubie’s Wheels

Who doesn’t want a shiny new set of wheels? Cubie passes his driving test first time, and proudly buys his first motor.

 
 

Debt

£6,950

21% APR

Home Sweet Home

It’s time to fly the nest. After grappling with estate agents and lawyers, Cubie finally gets the keys to a home of his own and has to buy the essentials… a waterbed, potted plants and a sofa!.

 

Debt

£10,950

23% APR

Cubie meets QuidCycle

Homes and cars don’t come cheap … but meeting QuidCycle opens Cubie’s eyes to a future of financial freedom.

 
 

Debt

£11,950

6.9% APR

Cubie's Route to Financial Freedom

Cubie goes online and requests a loan with QuidCycle. Some quincies join the journey with him.

 
 

Debt

£11,950

6.9% APR

Cubie refinances and closes his unnecessary credit lines

Once the loan is matched, QuidCycle refinances Cubie and his credit and store cards are closed— along with their high interest rates, yay!

 
 

Debt

£11,950

6.9% APR

Free financial education

QuidCycle helps Cubie get to grips with financial matters. He learns how to free up cash and how to make money work for him.

 
 

Debt

£10,110

6.9% APR

Cubie takes a holiday

It’s time for some fun in the sun. Cubie packs his Speedos and heads off for some well-earned R&R.

 
 

Debt

£8,600

6.9% APR

Cubie starts a family

Love is in the air. It’s not just fancy-free Cubie anymore, now he has a wife (Cutie) and child (Qidsy) to look after too.

 
 

Debt

£5,960

6.9% APR

Cubie receives on going free financial tips

QuidCycle continues to support Cubie through online financial tips and tools.

 
 

Debt

£2,330

6.9% APR

Cubie remortgages

With his debt falling and his family growing, Cubie decides to remortgage his home to improve his financial position even further.

 
 

Debt

£1,040

6.9% APR

Cubie finishes savvy with up to a 4% bonus

Good old Cubie! He’s hit his targets and to say thanks, Quidycle gives him a 4% bonus.

 

Debt

£0

 

Cubie clears his debt

Cubie is officially in the black. No more monthly payments…just monthly savings!

 
 
 
 



 

Need to borrow?

6.2%
Representative APR

If you are looking to consolidate your debt, we can help out.

The rate you are offered will depend on your individual circumstances.

 

Learn more

Loan Amount £3,700

Loan Term 3 Yrs

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