Improve your credit score
Unlock new opportunities and achieve your money goals with Loqbox
Improve my creditImprovements to your credit score are not guaranteed.
Missing payments to Loqbox or other credit accounts may harm your score.
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Why choose Loqbox?
Ready to take control of your finances?
You’ve got this!
Our tools are designed to help you build brilliant new financial habits.
Enjoy more of what you love by making your money work for you.

Easy & automatic
Join in under 2 minutes. Get simple ways to boost your credit.
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Feel happier and learn great habits
80% of members feel more motivated, knowledgeable or confident about money.
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The UKs most-trusted credit builder
With 19,000+ 5 star Trustpilot reviews, we're the UK's number 1. Get on track with your goals.
Ready for a brighter financial future? Let’s get started!
Join Loqbox to get simple ways to improve your credit score
with all three of the UK’s main credit reference agencies (CRAs)
Experian, Equifax and TransUnion.
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Amazing app
Dropped my credit utilisation from 30% to 7%.
Adam
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300 points
In a short period I got about 300 points. I would recommend Loqbox to everyone who wants to boost their credit score.
Adrian
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My credit score was below 300
Within three months of joining Loqbox it has gone above 500 and still going higher!
Victor
How to achieve your goals with Loqbox
Supercharge your progress with our membership
Loqbox members boost their credit scores by 200 points over 12 months on average.
Imagine the peace of mind you’ll feel with a better score.
Get all these incredible benefits for £2.99 a week (with a 7-day free trial):
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Grow your credit score by using an interest-free credit line to simplify your Loqbox payments. You can use this tool to pay for your membership fees, which cost £2.99 a week, and any other add ons. It’s a simple change that makes a big difference. When you sign up for membership, we’ll automatically activate this feature to help you get a headstart on a more secure financial future.
Learn how it works
This tool helps Loqbox members increase their scores by an average of 125 points within the first six months.
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We’ve created a way to increase your credit score while you work on your savings goals. When you save with us, it’s a win-win.
Learn how it works
Pro tip: Our members love that you can “set and forget” this feature, but make sure you have enough in your bank account to cover your monthly savings payments. Missed payments may harm your credit score.
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If you need to get mortgage-ready, or you’re simply looking for ways to build your credit history, you can make your rent count with our rental reporting tool.
Rent is often our biggest expense, and the payments shouldn’t feel like dead money. With Loqbox, improve your credit with payments you already make. We’ll report your rent to Experian, building your credit history.
Find out more
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Feel financially savvy. We help you get the inside scoop on how to build your creditworthiness, with tips, tricks and credit hacks. Build a happier, healthier relationship with money with the latest financial guidance.
“What sets Loqbox apart is their commitment to financial education. They provide numerous resources and tips to help you manage your finances better, ensuring you not only build credit but also develop healthy financial habits. The transparency and simplicity of the process is refreshing, making it accessible even for those who are new to credit building.” - Chidiebele
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Embrace positive change and feel empowered to build great new money habits with a step-by-step plan tailored to your financial goals and situation.
“Great financial product that not only helps you save but helps to improve your credit score. You can even create a financial plan so you can set achievable goals” - Ethan
Our personalised financial plan gives you support and education that grows with you. Get everything you need to succeed and give you an exciting new start.
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Did you know that lenders charge more interest if your credit score is low? That can mean repaying way more than you borrowed. No thanks! By growing your score with Loqbox, you can slash those interest rates and keep more money in your pocket. All while building your financial security.

*Based on the difference in interest rates achievable with “Very Poor” and “Poor” credit ratings
** Based on the difference in interest rates achievable with “Very Poor” and “Fair” credit ratings

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Enjoy dedicated help and guidance when you need it. Our friendly support team are on hand to help you make the most out of your Loqbox membership. Got a problem? Don’t worry — they’ll fix it.
Improvements to your credit score are not guaranteed.
Missing payments to Loqbox or other credit accounts may harm your score.
Kickstart your journey to a brighter financial future.
Get startedFrequently asked questions
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When you apply for credit, lenders look at your credit history to check if you pay on time. We report your Loqbox payments to all three UK Credit Reference Agencies, helping you build that history. A stronger credit history can make it more likely you’ll get approved — and get better deals. Please note with our savings tool you may see a temporary drop in your score as a new line of credit is added, this will resolve itself in a few months. See our risks and benefits (below) for more info, or find out more about how to improve your credit score with Loqbox.
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If you downgrade, you’ll lose access to our most powerful tools to help you build your credit, and you may see your credit score return to what it was previously. But you can continue to use limited versions of Loqbox’s savings tool and line of credit.†
†Our savings tool is free to use if you withdraw your savings into a new account with one of our partner banks. If you prefer, you can pay £30 to transfer your savings to your existing current account. For your line of credit, you will continue to be billed monthly for any purchases you make within Loqbox.
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Loqbox is here to give you easy ways to build your creditworthiness. But it’s important to know that missed repayments can harm your credit score. If you think you’re at risk of missing a payment we recommend that you downgrade or cancel.
Still have questions? Visit our FAQs page or ask our team.
How Loqbox works
How does Loqbox boost my credit score?
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Join Loqbox and activate one or more of our simple tools to build your credit history.
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We'll report your payments to Experian, Equifax and TransUnion — this means they'll show on your credit report.
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By proving you can make these payments on time, you build your credit history. Over time, this helps to increase your credit score.
What is included in Loqbox membership?
Your membership
- Get access to all of our tools
- A safe place to develop credit-building habits
- Loqbox members are 30% more likely to access the credit they want after building their scores with Loqbox
Join over 1,000,000 members on the path to a richer life
