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Loqbox: Credit report and building reviews

Name: Credit report and building
Rating: 4.67 (1127 reviews)

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4.75

Based on 1,127 reviews, last reviewed 22nd Nov 2025

100% decrease in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

86%

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

Latest lowest rating:

1

Loqboc is misleading and dishonest - AVOID In my personal experience, Loqbox is the most misleading financial products I’ve ever used. I believed I was signing up for a simple tool to help imp... Read more Reviewed on: 22nd November 2025

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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.

Loqbox Credit report and building reviews (1127)

Review of the Loqbox, Credit report and building:

Loqbox Worked for Me!

I’ve been using Loqbox for the past 8 months and I’m genuinely pleased with the results. I signed up to help build my credit score while setting aside some monthly savings, and it’s done exactly that. My credit score has improved steadily over this period, and I now have a clearer credit history across all three credit reference agencies. The setup was straightforward – I chose how much to save each month, and Loqbox treated that like a 0% loan, reporting my monthly repayments as if I were paying off credit. At the end, I was able to unlock all my savings in full. What I liked most: No interest or hidden charges if you choose the free option It reports to all three credit agencies (Experian, Equifax, and TransUnion) Easy to use and manage from the app or website A good way to create a habit of saving consistently One minor downside is that you either need to open an account with one of their partner banks to withdraw your savings for free or pay a small fee to transfer it to your own bank – I chose the free route and it worked fine. Overall, I’d definitely recommend Loqbox to anyone who wants to build their credit responsibly and doesn’t want to take out high-risk credit products. It’s especially useful for people with little or no credit history. Reviewed on: 7th June 2025

Does what it says on the tin & a bit more

I’ve used loqbox a few times now over the last 4-5 years to help build my credit and it’s always done exactly that while helping me save money at the same time. I find it much easier to save if I can’t see it too, so having it out the way while working for me at the same time is super beneficial. Reviewed on: 11th July 2025

Loqbox changed my life

Loqbox has honestly been a game-changer for me. I was struggling to build my credit history and didn’t know where to start. A friend recommended Loqbox, and I’m so glad they did. The whole process was simple, transparent, and incredibly effective. Within months of using it, I saw a noticeable improvement in my credit score. What I love most is that I wasn’t spending money I didn’t have – I was saving it. Loqbox combines smart saving with building credit, which is a win-win. The app is user-friendly, the customer support is top-notch, and I feel so much more in control of my financial future. If you’re looking to build your credit and save money at the same time, Loqbox is the perfect tool. I recommend it to anyone who wants to take real steps toward better financial health. Thank you, Loqbox! Reviewed on: 11th July 2025

A title that is 8 charater

I like it. Helps me save money. Not really any negatives Reviewed on: 11th July 2025

Has massively helped me to save money and see how mu...

Has massively helped me to save money and see how much I have saved with ease. Reviewed on: 10th July 2025

Don’t even understand what this is and can’t stop mo...

Don’t even understand what this is and can’t stop money going out my bank Reviewed on: 10th July 2025

Excellent credit knowledge

Excellent credit advice and knowledge helping improve my credit score and save money Reviewed on: 10th July 2025

Excellent in everyway helped me out and so easy to...

Excellent in everyway helped me out and so easy to use Reviewed on: 10th July 2025

Just helps to build a credit score after a DMP

Just helps to build a credit score after a DMP Reviewed on: 10th July 2025

Great for young people and extremely helpful

Very good to start your credit building experience goes in depth on what it does and how it works for you. Many different options to choose from and always helpful if your struggling to get your head round the way it works Reviewed on: 10th July 2025

Very helpful

Great service, helped with my credit score instantly Reviewed on: 10th July 2025

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