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.
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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:
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Join Loqbox
Choose the membership that suits you best — Full or Lite depending on your needs and goals.
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Log in and activate credit-building tools
Explore the tools included in your membership.
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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
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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
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.
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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
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.
Understand the benefits and risks
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