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Build your credit history with your rent
Make your rent money count!
With an improved credit history you can save £1,000s on mortgages, loans and credit cards!
Get Loqbox RentImprovements to your credit score are not guaranteed
Make your rent count!
It doesn't matter if you pay rent to a letting agent, a private landlord, your local council or to your parents.
Just connect your bank account, tell us your rent date and amount, and we'll do the rest.
We report your regular rent payments to Experian
— helping you to build a better credit history over time.
Boost your borrowing power with your regular rent payments
Sign up in
under 2 minutes
For just £2.50 a week you'll get access to all our credit building features including Loqbox Rent.
Connect your
bank account
Securely link your bank account to Loqbox Rent so that we can identify your rent payments.
Make your rent
payments
Make your rent payments as normal each month and we’ll automatically report them to Experian.
Get better
deals
An improved credit history means better rates from lenders on loans, credit cards and mortgages.
Loqbox Rent can help you achieve your big money goals
Everyone has a big money goal. And Loqbox is always busy creating new ways to help you live a richer life (whatever that looks like for you).
Whether it’s getting your foot on the property ladder, planning a wedding or going on a once-in-a-lifetime holiday — having a better credit history can help you achieve it.
Take your next step by setting up Loqbox Rent today.
Whether it’s getting your foot on the property ladder, planning a wedding or going on a once-in-a-lifetime holiday — having a better credit history can help you achieve it.
Take your next step by setting up Loqbox Rent today.
One simple price, a world of opportunity
More than a credit builder. As a Loqbox member you get so much more. All for only £2.50 per week.
Loqbox Rent
Make your rent count.
We'll report your monthly rent payments to Experian to help build your credit history.
We'll report your monthly rent payments to Experian to help build your credit history.
Loqbox Save
Build your credit score just by saving.
We'll report your regular savings to Experian, Equifax and TransUnionPlus full Loqbox members get a free Flexi-Unlock after 26 weeks.
We'll report your regular savings to Experian, Equifax and TransUnionPlus full Loqbox members get a free Flexi-Unlock after 26 weeks.
Loqbox Coach
Get your tailor-made financial plan.
Plus regular emails with all of our handy tips and tricks to live your best financial life.
Plus regular emails with all of our handy tips and tricks to live your best financial life.
Points Promise
We'll aim to improve your score by at least 25 points in your first year, or we'll give you £25.
That's our promise to you.
That's our promise to you.
Loqbox Spend
Grow your credit score by reporting your membership payments. On average Loqbox Spend increases your credit score by 125 points in six months.
And soon you’ll be able to earn cashback by shopping with your favourite brands.
And soon you’ll be able to earn cashback by shopping with your favourite brands.
Priority support
Here to help at the touch of a button.
Our expert team is on hand when you need them.
Our expert team is on hand when you need them.
Here's what our lovely Loqbox members think
Some helpful things to know
What does
'credit history' mean?
Your credit history is basically a record of how you've managed credit in the past.
Whether you've taken out lots of credit before, or just a little, your credit history shows all the payments you've made towards things like loans, car finance plans and mobile contracts. And it also shows any payments that you might have missed.
Banks or lenders may look for a strong history of credit to decide you're a safe choice to lend to.
It takes time to build a credit history (this is a marathon, not a sprint). But Loqbox Rent can help build your credit history by reporting your regular rent payments to Experian every month.
Whether you've taken out lots of credit before, or just a little, your credit history shows all the payments you've made towards things like loans, car finance plans and mobile contracts. And it also shows any payments that you might have missed.
Banks or lenders may look for a strong history of credit to decide you're a safe choice to lend to.
It takes time to build a credit history (this is a marathon, not a sprint). But Loqbox Rent can help build your credit history by reporting your regular rent payments to Experian every month.
How is my credit history different to my credit score?
Your credit history shows how you’ve managed credit in the past.
Your credit score is essentially a number that represents the strength of your credit history. It’s a way for us (the public) to understand how a lender or bank may view us. It helps to give a general idea of how creditworthy we are.
There are three main credit reference agencies in the UK — Experian, Equifax and TransUnion. Each uses its own scoring system, so you’ll likely have three different credit scores.
But fundamentally, what you need is a history of good credit management to show lenders you can be trusted to handle credit well again.
Your credit score is essentially a number that represents the strength of your credit history. It’s a way for us (the public) to understand how a lender or bank may view us. It helps to give a general idea of how creditworthy we are.
There are three main credit reference agencies in the UK — Experian, Equifax and TransUnion. Each uses its own scoring system, so you’ll likely have three different credit scores.
But fundamentally, what you need is a history of good credit management to show lenders you can be trusted to handle credit well again.
What if my
circumstances change?
Firstly, don't worry! We understand it can be stressful when our living situations change suddenly.
Whether that's your landlord changing the rent price, or if it's the end of your tenancy agreement — just let us know and we'll take action.
We're on your side! Our goal is to help you build your credit history, not diminish it. With Loqbox Rent, you can build your credit history the stress-free way.
Whether that's your landlord changing the rent price, or if it's the end of your tenancy agreement — just let us know and we'll take action.
We're on your side! Our goal is to help you build your credit history, not diminish it. With Loqbox Rent, you can build your credit history the stress-free way.
Why do you only report to Experian?
Loqbox Rent was developed to help our members.
We know that sometimes life goes a little off-track — it could be that your rent price might change, a bank transfer might fail or you move house.
We report to Experian because they offer flexibility if anything does go a little wrong. And we'll make sure that it won't negatively affect your credit history. It's a win-win with Loqbox Rent!
We know that sometimes life goes a little off-track — it could be that your rent price might change, a bank transfer might fail or you move house.
We report to Experian because they offer flexibility if anything does go a little wrong. And we'll make sure that it won't negatively affect your credit history. It's a win-win with Loqbox Rent!
Which banks does
Loqbox Rent work with?
We currently support the following banks:
Adam & Company, Aldermore Business Bank, Allied Irish Bank, Bank of Ireland, Bank of Scotland, Barclays, Birmingham Midshires, Brits Money, Cahoot, Cashplus, Cater Allen, Chelsea Building Society, Citibank, Coutts, Cynergy Bank, Danske, Dragon (Trilogy), First Direct, Ford Money, Ghana International Bank, Global Reach Group, HSBC, Halifax, Handelsbanken, ING Wholesale Banking (UK and Europe), Intelligent Finance, Kent Reliance Building Society, Lloyds, Marcus (Goldman Sachs), Marks and Spencer, Mettle, Money Mona, Monzo, Morses Club, Nationwide, Natwest, Newbury Building Society, Principality Building Society, Punjab National Bank (Business), Punjab National Bank (Personal), RBS Bankline, RBS (Royal Bank of Scotland), RCI Bank, Revolut, SG Kleinwort Hambros, Saffron Building Society, Sainsbury's Bank, Santander, Scottish Widows, Smile, Standard Life, Starling, TSB, TalkRemit, The Co-operative Bank, The Cumberland, The One Account, Tide Business, Triodos Bank, TurkishBank UK, Ulster, Unity Trust Bank, Virgin Money, Yorkshire Building Society, gohenry, thinkmoney.
If you can't see your bank account listed here, contact our support team to see if it's available. We're always working hard to improve our services and hope to have your bank listed soon.
Adam & Company, Aldermore Business Bank, Allied Irish Bank, Bank of Ireland, Bank of Scotland, Barclays, Birmingham Midshires, Brits Money, Cahoot, Cashplus, Cater Allen, Chelsea Building Society, Citibank, Coutts, Cynergy Bank, Danske, Dragon (Trilogy), First Direct, Ford Money, Ghana International Bank, Global Reach Group, HSBC, Halifax, Handelsbanken, ING Wholesale Banking (UK and Europe), Intelligent Finance, Kent Reliance Building Society, Lloyds, Marcus (Goldman Sachs), Marks and Spencer, Mettle, Money Mona, Monzo, Morses Club, Nationwide, Natwest, Newbury Building Society, Principality Building Society, Punjab National Bank (Business), Punjab National Bank (Personal), RBS Bankline, RBS (Royal Bank of Scotland), RCI Bank, Revolut, SG Kleinwort Hambros, Saffron Building Society, Sainsbury's Bank, Santander, Scottish Widows, Smile, Standard Life, Starling, TSB, TalkRemit, The Co-operative Bank, The Cumberland, The One Account, Tide Business, Triodos Bank, TurkishBank UK, Ulster, Unity Trust Bank, Virgin Money, Yorkshire Building Society, gohenry, thinkmoney.
If you can't see your bank account listed here, contact our support team to see if it's available. We're always working hard to improve our services and hope to have your bank listed soon.
Feeling a bit nervous about Open Banking?
We understand! It can be nerve-wracking when new technologies are developed, especially when your finances are involved.
So let us help to ease any concerns:
Loqbox Rent uses Open Banking technology to identify your rent payments.
We won't keep information on your financial transactions beyond looking for your confirmed rent payments. Loqbox Rent uses Open Banking technology to identify your rent payments through our partner, Moneyhub. You can read more about this here.
All you have to do to use Loqbox Rent is let us know when your rent is due, how much it is and reconnect your bank every 90 days (we'll send you a reminder).
It's as straightforward as that!
So let us help to ease any concerns:
Loqbox Rent uses Open Banking technology to identify your rent payments.
We won't keep information on your financial transactions beyond looking for your confirmed rent payments. Loqbox Rent uses Open Banking technology to identify your rent payments through our partner, Moneyhub. You can read more about this here.
All you have to do to use Loqbox Rent is let us know when your rent is due, how much it is and reconnect your bank every 90 days (we'll send you a reminder).
It's as straightforward as that!
