Tom Eyre
More about
Tom
Tom co-founded Loqbox in 2017 with a belief that the financial system should do a better job of recognising people’s potential — not simply judging them on where they are today.
That belief shapes Tom’s approach to credit. He argues that building credit shouldn’t be about chasing a number on a screen. It should help people demonstrate the conscientious, consistent financial behaviour that can make them better borrowers and give lenders a clearer picture of their reliability.
Tom is particularly interested in people Loqbox describes as "pre-prime”: people who may be financially responsible but whose potential isn’t yet fully reflected in their credit history. This includes people with little credit history as well as those whose past financial difficulties may not reflect where they’re heading now.
Through his work, Tom explores consumer credit, responsible borrowing, credit building, financial inclusion and mortgage readiness, as well as how psychology influences the way people think, feel and behave around money.
Tom is a member of the Credit Information Governance Body (CIGB) Remedies Advisory Council, which oversees the industry-led work arising from the FCA's Credit Information Market Study. It shapes what comes next for the UK’s credit information system, with a clear focus on improving outcomes for both consumers and lenders. Tom champions the idea that credit data should capture real behaviour, real progress, and real potential, to create opportunities for consumers, lenders, other participants and the wider economy as a whole.
In 2026, Tom was shortlisted for Scale-Up Entrepreneur of the Year at the Allica Bank Great British Entrepreneur Awards, recognising his work building Loqbox and tackling financial exclusion.
He’s also a strong advocate for making financial education work harder in real life. Tom believes people need practical guidance that reflects their circumstances, motivations and relationship with money.
Tom helps consumers build better financial habits, helps responsible lenders recognise good potential borrowers, and challenges the industry to create a financial system that gives more people a fair opportunity to move forward.
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