Save your way to better credit

Grow your savings, build your credit, unlock a brighter financial future.
All for free with Loqbox.‍

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How it works

Save

Decide how much you can save into your Loqbox each month for a year. We finance the full amount with a 0% APR loan.

Build

Build your savings and your credit score by making on-time payments each month, which we report to the major credit bureaus.

Unlock

Once you’ve made your final payment, transfer the savings from your Loqbox into a new savings account for free or withdraw into your own account for $40.

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Still got questions?
‍Head to our FAQs

Some of the companies we work with

Helping you along the way

Your savings kept safe

We safeguard your savings for you in a FDIC-insured major US bank.

Learn as you go

Get helpful financial tips during your time with us in our biweekly email series, Loqbox Learn.

Get it all back

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

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Helping you along the way

"My score went up 243 points"

"The customer service is great, they always respond and take care of any issues I may have in a timely manner."

— Michelle

You choose how to unlock your savings

Free-unlock

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

  • Open a new checking or savings account
  • Set up your account in as little as 5 minutes
  • Unlock your savings at any time
  • Pay nothing to unlock

Flexi-unlock

Unlock your savings into any account you choose. You pay $40.

  • Put your savings in an existing bank account
  • No new account setup
  • Unlock your savings any time
  • Pay $40 to unlock
Sign up free

About Loqbox

We’re all about helping you build a better financial future and putting you on the right track 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. All for free.

Sign up free

Helping you along the way

How saving money can be the most rewarding form of self-care
7 ways to add financial wellness to your self-care routine
15 easy ways to take control of your finances with courage and confidence
Read more

Start saving and improve your credit score for free

Get started
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Terms and ConditionsPrivacy PolicyMember's AgreementE-SIGN Agreement
©2022 Loqbox Savings LLC. 225 Dyer St., 2nd Floor, Providence, RI 02903.

Loan services are provided by Loqbox Finance LLC. 225 Dyer St., 2nd Floor, Providence, RI 02903.

Loqbox™ is a trademark of Loqbox US INC.

To use Loqbox, you must be 18 years of age or older and have a valid Social Security number. Loans are provided by Loqbox Finance LLC and are subject to verification of identity. A valid bank account is required for repayment. Loqbox is not a credit repair service and does not remove negative items from your credit history. Improvement of your credit score is not guaranteed and depends on your individual history and financial behavior. Failure to make on-time monthly loan repayments may result in those payments being reported as delinquent to the credit bureaus and may negatively impact your credit history.
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*Testimonial disclaimer: Experiences and past performance reported by individuals are unique and do not guarantee future results for others. Individual results may vary.