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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

Increase credit fast

Great way to increase credit score fast and put away savings. Reviewed on: 8th July 2025

Worthwhile experience with Loqbox

My experience has been worthwhile as all my enquiries were attended to promptly and professionally. Reviewed on: 8th July 2025

Great idea.

Great idea. Helped boost my credit score. Couldn’t ask for more Reviewed on: 8th July 2025

Had a great experience so far, its improving my cred...

Had a great experience so far, its improving my credit score while im also saving money with the loqbox savings account Reviewed on: 8th July 2025

It’s helped me get a better idea of how to sensibly...

It’s helped me get a better idea of how to sensibly use credit and build on it too Reviewed on: 8th July 2025

Loqbox is helping me build my credit and become more...

Loqbox is helping me build my credit and become more financially aware, I am now able to save a d the benefit of not being able to withdraw is helping me with financial discipline Reviewed on: 8th July 2025

I’m still in the first year so wait to see the benif...

I’m still in the first year so wait to see the benifits Reviewed on: 8th July 2025

THE BEST

The best credit score builder Thanks Reviewed on: 8th July 2025

Good set up on the website and not hard to find stuf...

Good set up on the website and not hard to find stuff and it’s Abel’s me a lot with money control and my credit score Reviewed on: 8th July 2025

It doesn’t really need to be offered for a fee anyon...

It doesn’t really need to be offered for a fee anyone can create the same conditions for themselves if they understand how credit works and perhaps some discipline. Reviewed on: 8th July 2025

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