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



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



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



Loan repaid, you release every penny you paid into a new bank account, and start saving on life’s essentials.

Still got questions?
Read more about how LOQBOX works


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.”


“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 banks we work with


Savings kept safe

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

Bank-level security

We use 256-bit encryption – the same type the major banks use.

Get it all back

Into a shiny new account for free. Or go premium and use an existing account for £30.

If you’d like to improve your credit history, but don’t have £20 a month to save, try Credit Improver

Our story

Having founded Credit Improver in 2012, we know there are thousands of people with low credit scores – or a lack of credit history – who worry about saving and borrowing.

That’s why we created LOQBOX

Since then we’ve helped thousands improve their credit scores and are supported by Tech Nation and HM Treasury as a leading UK Fintech business.


Get credit fit with our 5-point plan

Simple, expert tips to help build a stronger credit history