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Loqbox: Credit building reviews

Name: Credit building
Rating: 4.57 (1934 reviews)

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4.57

Based on 1,934 reviews, last reviewed 19th Jul 2026

68400% increase in 5 star reviews

in the past 90 days

1700% increase in 1 star reviews

in the past 90 days

85%

Latest highest rating:

4

Game changer for credit building I signed up for Loqbox Save 12 months ago because I had basically no credit history. As a renter who’s never had a credit card or loan, I was complete... Read more Reviewed on: 19th July 2026

Latest lowest rating:

1

You charge me 4 times and I do not get anything try... You charge me 4 times and I do not get anything try to cancel but nothing happens try to contact and no one answers Reviewed on: 13th July 2026

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About this product

Loqbox membership is an all-in-one service to help build your financial health.

You can build your credit score, grow your savings and gain a better understand about the world of money. You'll need to pay a low monthly fee for full Loqbox membership.

Loqbox reviews help you find out what it’s really like to be a customer. If you’ve used Loqbox before, you can also leave a review and share your experience.

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Loqbox Credit building reviews (1934)

Game changer for credit building

I signed up for Loqbox Save 12 months ago because I had basically no credit history. As a renter who’s never had a credit card or loan, I was completely invisible to the credit reference agencies. Loqbox felt like a low-risk way to change that without taking on debt. The set-up was very straightforward. I chose to save £20 a week, which came out by direct debit. The money goes into a locked account that you can’t touch until the plan ends – that’s the biggest thing to be aware of. It does feel a bit strange to have your own money locked away for a year, but honestly that was the discipline I needed. After about 6 months I started seeing a real difference on my Experian and ClearScore reports. By month 12 my score had jumped over 90 points. When the plan finished, Loqbox gave me the option to take the full balance back to my bank account, which I did. The transfer took 2-3 working days – no fuss at all. I also tried Loqbox Rent later, which costs £2.50 a month. That helped report my rental payments to Experian and Equifax, giving my profile another positive boost. It does what it says on the tin. The good bits include: completely free credit building (the Save plan is free, no interest or hidden charges), reporting to all three major credit reference agencies, a very easy automated setup, customer service that replied within a day when I had a question about unlocking the money early, and no credit check to join. Room for improvement: your money is locked away for 12 months; if you unlock early, you lose the credit history you’ve built and there’s a £30 fee to release the savings. No interest is earned on your savings – Loqbox makes money by promoting financial offers, so expect some marketing emails (you can opt out). The rent reporting tool has a monthly fee and isn’t integrated with all letting platforms, so you may need to manually submit proof. Would I recommend Loqbox? Absolutely – if you’re patient and can commit to the full 12 months, it’s one of the most straightforward ways to build or rebuild your credit profile without borrowing money. Just make sure you can afford to lock the cash away before you start. Reviewed on: 19th July 2026

Goood start , I had no issues while building my...

Goood start , I had no issues while building my credit Reviewed on: 19th July 2026

Too perfect and well professional.

Too perfect and well professional. Reviewed on: 18th July 2026

easy to use effective good products

easy to use effective good products Reviewed on: 18th July 2026

Helps me save as I’m bad at saving also on a credit...

Helps me save as I’m bad at saving also on a credit building journey Reviewed on: 18th July 2026

Great for saving money, easy to use.

Great for saving money, easy to use. Slowly building my credit score back up. Reviewed on: 17th July 2026

Loqbox is amazing

Loqbox has helped me in so many ways, I'm able to check my credit score and manage my spending all in one convient place Reviewed on: 16th July 2026

It's very good platform to upgrade your credit score.

It's very good platform to upgrade your credit score. Reviewed on: 16th July 2026

Great experience, very helpful, would recommend!

Great experience, very helpful, would recommend! Reviewed on: 15th July 2026

Highly Recommended

Title: Excellent Credit Building Service Review: I’ve had a very positive experience with Loqbox. The platform is easy to use, payments are straightforward, and it has helped me build a stronger credit history over time. Everything is clearly explained, and I appreciate the regular updates and helpful support. It’s a great option for anyone looking to improve their credit profile in a responsible way. I would definitely recommend Loqbox to anyone wanting to build their credit score and develop better financial habits. Reviewed on: 15th July 2026

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Loqbox: Credit building reviews

68400% increase in 5 star reviews

1700% increase in 1 star reviews

Latest highest rating:

4

Latest lowest rating:

1

About this product

Review Loqbox: Credit building now

Loqbox Credit building reviews (1934)

Game changer for credit building

Goood start , I had no issues while building my...

Too perfect and well professional.

easy to use effective good products

Helps me save as I’m bad at saving also on a credit...

Great for saving money, easy to use.

Loqbox is amazing

It's very good platform to upgrade your credit score.

Great experience, very helpful, would recommend!

Highly Recommended

Review Loqbox: Credit building now

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