A simple monthly plan to help strengthen your credit profile
.png)
Choose your credit building plan
Pay small amounts every month
Report every repayment automatically to Experian, Equifax and TransUnion
Set up your plan, see your credit score, and track your progress instantly.
See credit building plansImprovements to your credit score are not guaranteed. Missing payments to Loqbox or other credit accounts may harm your score.
How does a Loqbox credit plan work?
This is the journey you might take with Loqbox, as your score moves from Poor to Good.
Your score journey
Based on a starting score of Very Poor.
Many members see meaningful improvement within their first year when they make their payments on time. This graph is for illustrative purposes only and is not a guarantee of performance. Individual results may vary.
Many members see meaningful improvement within their first year when they make their payments on time. This graph is for illustrative purposes only and is not a guarantee of performance. Individual results may vary.
The higher your score, the less you pay.
Your plan helps you build a healthy credit score, so you could pay less interest on loans and credit cards.
See credit building plansIllustrative estimates only. Loan figures based on a 5-year term and average market rates as at July 2026. Credit card figures based on minimum repayment over 5 years, balance not cleared.
*Based on the difference in interest rates achievable with “Very Poor” and “Poor” credit ratings.
**Based on the difference in interest rates achievable with “Very Poor” and “Fair” credit ratings. Ratings based on estimated TransUnion credit score bandings.
.png){kind=small}