Build your credit history and grow your savings

LOQBOX – the simple, free way to healthier finances

Choose what to save

Choose what to save

Put aside savings of £20 to
£500 a month.

Pay monthly for up to a year

Pay monthly for up to a year

Build your credit history with the credit reference agencies.

Get it all back

Get it all back

Leave with an improved credit history, plus all your savings.

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

Get credit fit with our 5-point plan

Simple, expert tips to help build a stronger credit history


Completely free

You get back every penny you’ve saved, in a new account with one of our partners.

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.

How LOQBOX works

Build your credit history while you save… for free.

Here’s how it works.


1. LOQBOX is a secure way to build your credit history

You choose to save between £20 and £500 each month, and buy a LOQBOX worth a year of those savings.


2. Your monthly savings become finance repayments

Instead of buying your LOQBOX up front, you use our interest-free finance to pay for it over 12 months. Each repayment (effectively, what you’re saving each month) gets added to your credit history, showing lenders you can responsibly manage finance and boosting your chances of getting better-priced credit.


3. Take control of your finances

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


4. Instant access to your savings

If you change your mind – or if you think you might struggle to make a payment – you can ‘unlock’ your LOQBOX any time and get back everything you paid so far. We’d rather you did that than miss a monthly payment, which would harm your credit history.


5. Getting your money

When you unlock your LOQBOX, we’ll help you keep saving. We can help you open a bank account or ISA for us to pay your money into. We get paid by our partners for this, which is how we can make LOQBOX completely free for you.

Have more questions?

What is LOQBOX all about?

With LOQBOX, you build your credit history and grow your savings… read more

Is LOQBOX really completely free?

It really is… read more

I want a LOQBOX– what do I need to do?

You can get started right away… read more

Can you tell me exactly how LOQBOX works?

There is a step-by-step explanation of how LOQBOX works with an example on our FAQs page… read more


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

Contact Us

Drop us a message - one of our team will get straight back to you, usually within an hour!

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