LOQBOX helps you build your credit score and save £1,000s on credit cards, loans and mortgages.

Save

Save

Decide what you could save in a year. We lock away a 0% APR loan for that amount in your LOQBOX. Like a digital piggy bank.

Grow

Grow

Pay off the loan over 12 months, growing your credit score as you go to unlock better borrowing.

Unlock

Unlock

Once your loan is repaid, you release every penny into a new bank account for free. Or into an existing account for £30.

Still got questions?
Read more about how LOQBOX works

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LOQBOX is a free tool that allows you to repair your credit history by saving a set amount each month via direct debit.

LOQBOX‘s scheme is free and doesn’t require you to undergo a credit check, unlike a credit-builder credit card.”

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“As well as building your credit history, with LOQBOX Learn monthly emails you can improve your money management and access great credit and savings offers – if you want them.”

Some of the companies we work with

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Savings kept safe

We keep LOQBOX money in ring-fenced, independently verified accounts with major UK high street banks.

Helping you along the way

We provide you with helpful financial tips during your time with us in our fortnightly email series LOQBOX Learn. 

Get it all back

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

You choose how to unlock your savings

Free-unlock

free

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

  • You get a free new UK bank account
  • New account setup takes as little as 5 minutes
  • Unlock your savings any time
  • Pay nothing to unlock
  • You’ll typically get your money one working day after you give us your new account details

Flexi-unlock

30

Unlock your savings into any account you choose. You pay £30.

  • Put your savings in an existing bank account
  • No new account setup
  • Unlock your savings any time
  • Pay £30 to unlock
  • You’ll typically get your money one working day after you give us your chosen account details

About LOQBOX

We’re all about helping you build a better financial future and putting you on the front foot 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. For free.

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Get credit fit with our 5-point plan

Simple, expert tips to help build a stronger credit history