Smart Money People Logo
Go to business site
Share this page
Link copied

Loqbox: Credit report and building reviews

View other Loqbox products
4.75
Based on 1,128 reviews, last reviewed 2nd Feb 2026
100% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
86%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
1%
See only 1 star reviews
5%

Latest highest rating:

5

Good explanation easy to use professionally and easy... Good explanation easy to use professionally and easy enough for me to understand how to use it properly and how to make sure that the correct way to u... Read more Reviewed on: 16th September 2025
Josefa 's avatar
Josefa

Latest lowest rating:

1

Zero result / false advertising I signed up based on advertising and the promise to help shift my credit rating. However 6 months passed, i made the payments, but the result is zero.... Read more Reviewed on: 2nd February 2026
Sabina Khachaturian's avatar
Sabina Khachaturian
Read all reviews Write a review

About this product

Loqbox helps you build your credit profile.

With a membership, you can build credit while you save, access educational resources, get a dedicated line of credit that pays for your membership and report your rental payments to credit reference agencies. Loqbox offers two membership tiers – Full and Lite.

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.

Review Loqbox: Credit report and building now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Loqbox Credit report and building reviews (1128)

Go out of there way to hid information when you sign

1
Never use them and customer service is a joke Reviewed on: 25th April 2022
hooper humble's avatar
hooper humble

Scam

1
They fail to tell you than once you've completed your savings, unless you open an account with TSB (transferring all DD, and having to reapply for overdrafts) they charge you £30 to transfer YOUR money into your account Reviewed on: 20th April 2022
A Bloke From Stoke's avatar
A Bloke From Stoke

Ridiculous

1
You save £20 a month, with no interest, it's classed as an unsecured loan, you are reported to credit ref agencies if you fail to save the 20 a month, then you may have to pay to get your money back.. madness Reviewed on: 14th March 2022
Nick's avatar
Nick

Loqbox is a scam

1
Do not fall for these scammers they get to use or invest the money we pay into their account and make money out of that since we cannot access that money until the plan ends and still charge £30 to withdraw your money at the end of the plan. Not a single improvement to my credit report Reviewed on: 3rd March 2022
Anuradha Gajanayaka's avatar
Anuradha Gajanayaka

Scam

1
Had to open my loqbox early due to financial difficulties. Out of £160 savings I ended up with £60 because I apparently had the 50 point promise ???? AVOID Reviewed on: 18th February 2022
Janedeeming83@gmail.com's avatar
[email protected]

just avoid

1
waste the time and money. this just rip you off on the end. charge you 30% of you money to get back you cash Reviewed on: 13th February 2022
damian's avatar
damian

Pretty good company

5
I’ve been with loqbox since June of 2021. Credit score has improved, I will probably continue with them forever, doubling down my savings every year. Reviewed on: 1st February 2022
William tayler 's avatar
William tayler

Worst idea ever

1
If you want your rating go up don’t do it,,,it works opposite and all you get is apologise,,, Reviewed on: 29th January 2022
Ped Rah's avatar
Ped Rah

SCAM

1
Be very careful...nothing is free and you'd be better off putting your money in a savings account. I lost half my money because I apparently signed up for the 50 point promise which I cant remember signing for and wouldnt have done . The customer service is rubbish. Overall very dissatisfied with the experience, certainly won't be doing it again and wouldn't recommend it to anyone else. Reviewed on: 9th December 2021
Karen Lennon's avatar
Karen Lennon

Scam ,too good to be true

1
I paid the 50 point promise, then found out its not actually a guarantee. If you've paid the monthly cost you aren't refunded it, because they claim you've had extra support.Which is nonsense as all they tell you is what you would already know for free. Best option is to actually take out a bank loan. This way you get the money and your score grows Reviewed on: 21st October 2021
Sam Bartley's avatar
Sam Bartley

Review Loqbox: Credit report and building now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill