The free, proven way to build your credit score with all three of the UK's main Credit Reference Agencies (Equifax, Experian, and TransUnion).

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Join today and we'll give both you and your friend a chance to double your LOQBOX savings in our monthly prize draw.

Build my credit score

(No credit check needed)

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

Here's how it works:

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

Noun money

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


Over the year, you pay £20 a month into your LOQBOX account to pay back the loan.


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 increase your credit score.


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


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

Build my credit score

We've got more than 6,000 5-star reviews on TrustPilot to prove it.

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The UK's top companies trust LOQBOX

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Build my credit score

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 have access to your new savings account right away.
  • You can withdraw the money anytime.
  • Because the account is separate from your other finances, it makes saving easier.



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

  • We deposit your savings into any existing bank account.
  • No new savings accounts are opened in your name.
  • It works out to be just £0.58 a week to grow your credit score by 36-81 points on average.

Build my credit score