How Loqbox works
Build your credit the easy way
Loqbox helps you show lenders that you can borrow money and pay it back on time. Meaning you’re more likely to get a “yes” — and a better deal — when it matters most. That could mean a new mortgage, car finance, credit card, loan, or simply feeling more in control.
Full Loqbox membership
£2.99 per week*
Get immediate access to all our tools to fast-track your credit-building journey and achieve your goals.
*How we charge you: Your membership is billed monthly to your Loqbox line of credit. This is how we show lenders you can make regular payments.
Start your free trial7 day-free trial, then you’ll be charged £2.99 per week. You can cancel anytime, and any additional features will cost extra.
Start building your credit with Loqbox
Here’s how to get started
Join Loqbox
Begin your 7-day free trial today. Your first week of membership is on us!
Activate your credit-building tools
Make the most of the tools included in your membership. More on these below.
Make monthly repayments
We report them every month to Experian, Equifax and TransUnion, helping you build your credit.
Watch your credit grow
Over time, you can build a stronger credit history and feel more confident with money.
On average, Loqbox members grow their credit score by 200 points in 12 months*.
Start your free trial* Improvements to your credit score are not guaranteed. Missing repayments to Loqbox or other credit accounts may harm your score.
How our credit-building tools work
80% of people feel more knowledgeable, motivated, or confident about money after joining Loqbox.
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*Our sister company Loqbox Finance (the trading name of DDC Financial Solutions Ltd) provides you with interest-free finance to purchase a cash-redeemable savings voucher from Loqbox. Think of this voucher like a digital piggy bank.
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Why choose Loqbox?
Join 1,000,000 people living a richer life with Loqbox
People join Loqbox at a trigger point in their lives where they have a goal that they want to achieve. It’s an important moment. And with more than 19,000 5-star Trustpilot reviews, Loqbox is the UK’s most trusted credit builder.
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“Loqbox made me feel in control of my finances. The tips and hints make me feel less stressed about money.”
Lisa
“It's honestly so easy to use, this is the first thing i did towards building credit, four months later I got a mortgage.”
Cheri
“In short period of time my credit score increased by 300 points which allowed me to get credit cards,car loans.”
Adrian
“Loqbox made me feel in control of my finances. The tips and hints make me feel less stressed about money.”
Lisa
“It's honestly so easy to use, this is the first thing i did towards building credit, four months later I got a mortgage.”
Cheri
“In short period of time my credit score increased by 300 points which allowed me to get credit cards,car loans.”
Adrian
Easy, straightforward credit-building with the UK’s three main CRAs
Loqbox reports your payments to Equifax, Experian, and TransUnion. Join today to improve your creditworthiness with lenders across the UK. With a better score, you can save £10,000s on loans, credit cards and mortgages.
Frequently asked questions
Still have questions? Visit our FAQs page or ask our team.
Understand the benefits and risks
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