Credit building, for free, with the 3 Credit Reference Agencies. Sign up in under 2 minutes.

No credit check needed.

Build my credit score

Star rating

"Brilliant. Highly recommend if you're struggling to build your credit score."

— Anthony


No credit check needed

Available to all to start saving and building credit


Build credit with the 3 CRAs

We work with Equifax, Experian and TransUnion


Sign up in under 2 minutes

Sign up and start building your credit score right away


Grow your savings along the way

Build a savings pot and get better rates on borrowing

The simple way LOQBOX Save can save you £1,000s on borrowing

1. Save

Choose how much you want to save in a year. We lock away that amount in your LOQBOX Save. Like a digital piggy bank.

2. Grow

Make your savings payments each month to hit your savings goal, we report these to the major Credit Reference Agencies, growing your credit score as you go.

3. Unlock

Once your LOQBOX Save is repaid, you release every penny into a new bank account for free. Or into an existing account for £30.


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See what our members are saying

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 get a free new UK bank account
  • New account setup takes as little as 5 minutes
  • Unlock your savings any time
  • Pay nothing to unlock
  • You’ll typically get your money one working day after you give us your new account details



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

  • Put your savings in an existing bank account
  • No new account setup
  • Unlock your savings any time
  • Pay £30 to unlock
  • You’ll typically get your money one working day after you give us your chosen account details

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