QuidCycle in a nutshell

QuidCycle is an ethical financial services company with a difference! We put people before profit, bringing borrowers and investors together on a peer-to-peer (P2P) platform to help responsible individuals and families achieve financial success and face the future with confidence.

"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

How it works?

Investors can “Be the Bank”, earning far higher returns of up to 6.1%. Borrowers can "Beat the Bank" by refinancing high interest credit cards and loans. Investing and borrowing can be complex and frustrating, but we have made it easy. As with all investments, your capital is at risk with P2P. Every Investment carries risk. Your capital is not protected by the Financial Services Compensation Scheme (FSCS). Find out more on our Understanding Risks page.

Borrower
Timeline

Investor
Timeline

Are banks so yesterday?

Most financial products and institutions focus on one thing only — making a profit. We’re set up to make sure you get the best possible deal — whether you’re an investor or borrower.

 

Borrower Rates   Investor Rates

Borrower

Multiple debts of £8,500

QuidCycle

Average monthly payment of £167.91

5
years to clear
6.9%
Representative APR
£1,574.57
Interest paid
 

Banks and other Financial Insitutions

Average monthly payment of £167.27

11
years to clear
21.3%*
Average APR
£13,581.38
Interest paid
 

*Average APR based on 1,700 QuidCycle client balances as of August 2014

Helping you learn every step of the way

We believe that in order to really get to grips with your money, you need more than just a loan or an investment. That’s why we offer a wealth of free educational material available on our platform for you to learn from.

QuidCycle's Key Features

We want to help UK middle-income individuals and families help each other. Borrowers can borrow at a fair rate, but they are also helping investors to get a worthwhile return on their investment.

 

Fair rewards

Investors get significantly higher returns than they would from a bank or building society. Every Investment carries risk. Your capital is not protected by the Financial Services Compensation Scheme (FSCS). Find out more on our Understanding Risks Page.

 

Doing some good

Cripplingly high interest rates make it impossible for people to banish their reliance on credit cards and loans. We’re changing all that.

 

It’s personal

We look after our borrowers and investors We offer smart financial education, so they can handle their money better.

 

 

 

 

Your goal in mind

Refinancing or earning more interest - we can help you achieve your goals.

 

Do the right thing

Borrowers and investors are coming together to help each other out and improve their prospects.

 

 

 

 

 

Lower overheads

An online platform is far more cost-efficient than a physical branch. We pass the benefits on to you.

"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

Investing for everybody

Borrowers

Low-rate borrowing, ongoing support and incentives and financial training.

Join to borrow

Investors

Healthy return on investments, be the bank, and help others achieve financial success.

Join to invest

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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