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Grow your savings, build your credit, unlock a brighter financial future. All for free with Loqbox.

Sign up today and we’ll give both you and your friend $10 each when they sign up and start improving their credit score.

How it works


Decide how much you can save into your Loqbox each month for a year. We finance the full amount with a 0% APR loan.


Build your savings and your credit score by making on-time payments each month, which we report to the major credit bureaus.


Once you’ve made your final payment, transfer the savings from your Loqbox into a new savings account for free or withdraw into your own account for $40.

Still got questions?
Head to our FAQs

Some of the companies we work with

Helping you along the way

Your savings kept safe

We safeguard your savings for you in a FDIC-insured major US bank.

Learn as you go

Get helpful financial tips during your time with us in our biweekly email series, Loqbox Learn.

Get it all back

Unlock debt-free anytime and get back what you’ve saved so far, but you’ll get the best out of Loqbox the longer you keep saving.

Helping you along the way

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"My score went up 243 points"

"The customer service is great, they always respond and take care of any issues I may have in a timely manner."

— Michelle

You choose how to unlock your savings


Unlock your savings into a new bank account with one of our trusted partners. They pay us, keeping Loqbox free for you.

  • Open a new checking or savings account
  • Set up your account in as little as 5 minutes
  • Unlock your savings at any time
  • Pay nothing to unlock


Unlock your savings into any account you choose. You pay $40.

  • Put your savings in an existing bank account
  • No new account setup
  • Unlock your savings any time
  • Pay $40 to unlock

About Loqbox

We’re all about helping you build a better financial future and putting you on the right track with your money.

Growing your credit history and savings is a great way to do this.

This should be simple, free and available for everyone.

That’s why we created Loqbox.

With Loqbox, you can grow your credit score by saving as little as $20 a month. All for free.

Loqbox is no longer available in your state. If you're an existing member you can still access Loqbox here.