Join the money conversation to win £1,000 cash with Loqbox
Sign up for the chance to win £1,000 cash with Loqbox
Sign up for the easy way to improve your credit score by 13th October to be entered into the prize draw.
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How Loqbox works
Build your credit with a choice of two membership plans
Unlock a world of better credit with Loqbox.
With two membership plans to choose from, discover simple ways to build your credit and your financial security.
Full Loqbox membership
£2.50 per week*
Gain full access to our tools and fast-track your credit-building journey with our most effective plan.
Loqbox Lite
£0 or £30 a year †
Learn how it all works and activate our savings tool to enhance your credit while saving. Choose whether to pay £0 or £30 for credit building.†
*Loqbox membership is charged monthly as standard, helping you build your creditworthiness by using a line of credit.
†Loqbox Lite is free to use if you redeem your savings into a new account with one of our partner banks. If you prefer, you can pay £30 for your credit building journey and transfer your savings to your existing current account.
Improvements to your credit score are not guaranteed.
Missing payments to Loqbox or other credit accounts may harm your score.
How it works
Here’s how to achieve your money goals with Loqbox:
Join Loqbox
Choose the membership that suits you best — Full or Lite depending on your needs and goals.
Log in and activate credit-building tools
Explore the tools included in your membership.
Make monthly payments
Each month, we’ll report your repayments to the credit reference agencies (CRAs), helping you build your credit.
Watch your credit history grow
You’re on the verge of unlocking a brighter financial future. Let’s do this!
Understanding Loqbox memberships
At Loqbox, we’re on a mission to give everyone access to a richer life. You probably have a goal in mind — and most goals in life involve money. Our memberships are here to give you the tools you need to build your creditworthiness, save for the future, and make a plan to achieve what matters most to you.
Full Loqbox membership
When you join Loqbox as a full member you’ll get access to all of our powerful credit-building tools:
- ✔ Boost your credit history with an interest-free credit account.
- ✔ Build your creditworthiness while saving.
- ✔ Grow your borrowing power with your rent.
- ✔ Get a personalised financial plan and learn how it all works.
Full membership is our fastest and best value plan: full Loqbox members grow their scores by an average of 200 points in their first year.
How full Loqbox membership works
When you join Loqbox as a full member, we’ll give you a line of credit which you can use to pay for things in Loqbox, including your membership fees.
You can only use your credit limit to pay for Loqbox tools, helping you learn to feel in control of your credit use. We’ll report how you manage this line of credit, including your repayments, to the three main CRAs. Simply make your payments on time for a hassle-free enhancement to your credit profile.
More available credit = lower credit utilisation. Lenders love to see you keeping your credit use low — it’s key to improving your credit score. By activating this tool, you can lower your credit utilisation:
Note: If you’d prefer not to use this tool, you can make your full Loqbox membership payments weekly.
Log in and set a savings goal for the next year, from £240-£2,400 (equivalent to £20-£200 a month). We'll create a digital savings voucher for that amount, ready for you to redeem in 12 months' time.
Making it count: Here’s how using this Loqbox tool builds your credit. You buy your digital savings voucher using interest-free credit from our sister finance company Loqbox Finance*. Each month, you’ll make repayments on that credit. We report your payments to the CRAs, helping you boost your credit.
Redeem your savings: After the year is up, you redeem your digital savings voucher and get your savings. Time to celebrate!
Note: As a full Loqbox member, use of this tool is included. (For Lite members wanting to build their credit with this tool, it’s £0 or £30 for a year of credit building. Find out more.)
*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.
Log in, securely connect your bank account with Open Banking, and tell us your rent date and amount. We’ll report your rent payments to Experian. By boosting your credit history, you can build your borrowing power.
Loqbox Lite
Everyone deserves the opportunity to enhance their creditworthiness. That’s why we created Loqbox Lite to give you a taste of what you can achieve with Loqbox. Join for £0 or £30 a year.
With our Lite membership, you can:
- ✔ Grow your credit while saving.
- ✔ Get a personalised financial plan.
- ✔ Learn how it all works.
Members with Loqbox Lite grow their scores by 145 points in their first year on average.
How Loqbox lite works
Join Loqbox as a Lite member to build your credit while you save. Simply log in, activate our savings tool, and set your goal: choose how much you want to save for the next year, from £240-£2400 (equivalent to £20-£200 a month).
Once you’ve set your savings target, our sister company Loqbox Finance* will give you interest-free credit which you’ll use to purchase a cash-redeemable savings voucher. (Think of this like a digital piggy bank).
Each month, you’ll make repayments on that credit. We’ll report your payments to the three main CRAs, helping you build your creditworthiness.
Once the year is up, and you’ve made 12 payments, you will have repaid your loan. You can then redeem your digital savings voucher, and get your savings.
As a Lite member, you can choose whether you want to pay £0 or £30 for your Loqbox credit-building journey. Either transfer your savings to an account with one of our partners to use this tool for £0, or pay £30 for credit-building if you want to move your savings to an existing bank account.
*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. This lets you build your credit while saving.
Learn how to make your money work for you
Get a free, personalised financial plan
Join Loqbox as a Lite or full member to get access to a personalised financial plan. Get step-by-step guidance on how to achieve your money goals: from buying a home to saving for a thriving financial future, your financial plan is there to help you chart the path to your goals.
Feel more confident about money with the latest financial guidance
80% of Loqbox members feel more knowledgeable, motivated, or confident about money. Join today to get simple, easy-to-understand guides on how to manage your money. From fixing mistakes on your credit report, to finding a budget that fits your needs, our regular emails will help you learn more about money and how it all works.
Why choose Loqbox?
Join 1,000,000 members
With more than 16,500 5-star Trustpilot reviews, Loqbox is the UK’s most trusted credit builder.
“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
What is the difference between full Loqbox membership and Loqbox Lite?
Full Loqbox membership
- Boost your credit as quickly as possible with our best-value membership.
- Get access to all of our tools: savings, rental reporting and a line of credit for your Loqbox payments.
- Full members boost their credit scores by 200 points in the first year on average.
Loqbox Lite
- Get a Lite version of Loqbox.
- Build your credit while you save.
- Lite members can grow their credit scores by up to 145 points in a year using our savings tool.
- Choose whether to pay £0 or £30 for credit building†
*Loqbox membership is charged monthly as standard, helping you build your creditworthiness by using a line of credit.
†Loqbox Lite is free to use if you withdraw your savings into a new account with one of our partner banks. If you prefer, you can pay £30 to transfer your savings to your existing current account.
When lenders check your credit report, they want to see proof that you can manage credit responsibly by making regular payments. When you use the powerful credit-building tools included with your Loqbox membership, we report your payments to the CRAs, which helps to build your credit history.
There are three main CRAs in the UK: Experian, Equifax and TransUnion. They’re responsible for collecting information about your credit history and preparing your credit report. Each CRA generates a credit score to help you understand how lenders might view your creditworthiness — the higher your score, the more likely lenders will be to offer you credit, and give you better rates.
Full Loqbox members can build their credit with their membership payments, rent payments and while saving. With Loqbox Lite, you can grow your credit with our savings tool.
When you log in and activate our savings tool, we ask you to set a goal. You choose how much you want to save over the next year, from £240-£2,400 (equivalent to £20-£200 a month).
Each month you’ll make payments towards your savings target. But how do these build your credit?
When you activate this tool, we’ll create a digital savings voucher for your goal amount. (Think of this like a digital piggy bank, which you can crack open in a year’s time.) You buy this savings voucher using interest-free credit from our sister finance company Loqbox Finance*. You’ll make repayments on that credit every month. We’ll report your repayments to the CRAs — by making your payments on time you can prove your creditworthiness.
After the year is up, you can redeem your digital savings voucher and get your savings. The CRAs factor your repayment history into your credit score — by managing this tool, and any other credit agreements you have, responsibly you can boost your credit.
*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.
Loqbox is here to give you easy ways to build your creditworthiness. But it’s important to know that missed payments can harm your credit score.
Learn more