LOQBOX helps you build your credit score and save £1,000s on credit cards, loans and mortgages.

Save

Save

Decide what you could save in a year. We lock away a 0% loan for that amount in your LOQBOX. Like a digital piggy bank.

Grow

Grow

Pay off the loan over 12 months, growing your credit score as you go to unlock better borrowing.

Unlock

Unlock

Loan repaid, you release every penny you paid into a new bank account, and start saving on life’s essentials.

Still got questions?
Read more about how LOQBOX works

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LOQBOX is a free tool that allows you to repair your credit history by saving a set amount each month via direct debit.

LOQBOX‘s scheme is free and doesn’t require you to undergo a credit check, unlike a credit-builder credit card.”

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“As well as building your credit history, with LOQBOX Learn monthly emails you can improve your money management and access great credit and savings offers – if you want them.”

Some of the banks we work with

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Savings kept safe

We keep LOQBOX money in ring-fenced, independently verified accounts with major UK high street banks.

Bank-level security

We use 256-bit encryption – the same type the major banks use.

Get it all back

Into a shiny new account for free. Or go premium and use an existing account for £30.

If you’d like to improve your credit history, but don’t have £20 a month to save, try Credit Improver

Our story

Having founded Credit Improver in 2012, we know there are thousands of people with low credit scores – or a lack of credit history – who worry about saving and borrowing.

That’s why we created LOQBOX

Since then we’ve helped thousands improve their credit scores and are supported by Tech Nation and HM Treasury as a leading UK Fintech business.

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Get credit fit with our 5-point plan

Simple, expert tips to help build a stronger credit history