The proven way to build your credit history

Loqbox builds your credit history with all three of the UK's main Credit Reference Agencies (Equifax, Experian, and TransUnion).

Sign up in under 2 minutes

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No credit check needed

Improvements to your credit score are not guaranteed. Missing payments to Loqbox or other credit accounts may harm your score.

The credit agencies want proof that you can make regular payments. Loqbox makes it easy, automatic, and free.

Here's how it works:

bundle of bank notes with wings

You want to build your credit score and can afford to save £20 per month - so £240 over the year.


At the start of the year, Loqbox loans you £240. But, the money stays locked away in your Loqbox (hence the name).


Over the year, you pay £20 a month to Loqbox to pay back the loan.

credit score dial

But here comes the clever bit... Each month, Loqbox reports to the credit agencies (the companies that track and publish your credit score), that you've made your repayments, which can increase your credit score.

hot air balloon

After 12 months, the loan is paid off and, presto - you have access to the £240 you saved and a shiny new credit score.

piggy bank

Pop every penny into a new account (our partner banks pay us a commission, making it free for you). Or if you prefer to use an existing account, it's just £30 for your Loqbox credit-building, saving and financial guidance journey.

Join 1,000,000 others and start growing your credit score today.

Still got questions?
Read more about how Loqbox Save works

We've got more than 15,000 5-star reviews on Trustpilot to prove it

sally martin 5 star review: "Because they gave me a chance to better my credit score when I didn't know what to do or where to start."
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Understand the benefits and risks

We’re here to help you build your credit score, grow your savings and learn about how it all works. However, there are risks in joining. Please take time to understand these before starting. You can speak to our member support team if you have any questions.
Learn more

The UK's top companies trust Loqbox

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Our plans

Credit building with Equifax, Experian and TransUnion
Build your savings
Personalised financial plan and money tips
No hard credit check
Change or cancel your plan at anytime


Our plan to get you started

  • Grow your credit score by 91 points on average in the first year (just activate Loqbox Save and start saving at least £20 per month)
  • Withdraw your savings into a new bank account with one of our partners to keep this completely free for you
  • Or if you’d rather use an existing account, it’s just £30 for your complete credit-building journey


Our quickest and biggest
improvement plan

  • Grow your score by up to 300 points in 3 months
  • Full access to our powerful credit-building tools
  • Make your rent count by using it to build your credit history
  • Boost your credit score by 25 points in the first year or we’ll give you £25
  • Withdraw your savings into an existing bank account for free (usually £30)
  • Priority support every step of the way – Our team is on hand for you 6 days a week, 8am-8pm
  • 14 day money back guarantee
Get started

Improvements to your credit score are not guaranteed.
Missing payments to Loqbox or other credit accounts may harm your score.