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

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How it works


Save piggy

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


Grow piggy

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


Unlock piggy

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 have questions?

Head to our FAQs

Some of the companies we work with

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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.

Helping you along the way latest

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Don't just take our word for it

Natalie, 32

“I’d like to thank LOQBOX for being the support I needed and a great way to save some money at the same time. I’ll be continuing to use LOQBOX in the future.” *

Lee, 38

“Before LOQBOX I had a really bad credit rating. Couldn’t get a loan for a car or obtain a credit card. 7 months on I have a new car on finance and offers coming to me for cards.” *

Craig, 27

“I have just completed my 12 months of saving with LOQBOX and my credit rating has already gone from ‘very poor’ to ‘good’ all from the help of LOQBOX!” *

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

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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.

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Helping you to unveil the mystery of money and discover how to navigate the complex world of finance. Brought to you by industry experts at LOQBOX.

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Start saving and improve your credit score for free

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