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

Watch this video to find out how LOQBOX works.


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.


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


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


LOQBOX is a free tool that allows you to repair your credit history by saving a set amount each month…

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.”

Win the chance to double your LOQBOX savings

We want to help you hit your one big goal for 2021. That’s why for a limited time only we’re giving you and your friend the chance to double your LOQBOX savings.

How to get involved

1. Sign up to LOQBOX and make your first payment (if you haven’t already)

2. Start inviting your friends

3. For each friend that joins LOQBOX, you’ll get £5 and a spot in the prize draw

4. If you win we’ll match every pound you save, for both of you

Find out more >

Terms and conditions apply

Some of the partner banks we work with


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



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



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


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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