Loqbox Credit Builder

Award-winning UK credit building service. Save from £20/month while building your credit score with reports to all three credit agencies. Over 1 million users.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ Reports to all three UK credit agencies (Experian, Equifax, TransUnion) ✓ Get your savings back at the end ✓ No credit check required to join
Representative APR Amount Term Type
— — — credit_builder
Best For

Anyone starting from scratch or rebuilding credit who wants to build savings at the same time.

Pros & Cons

Pros
  1. ✓ Reports to all three UK credit agencies (Experian, Equifax, TransUnion)
  2. ✓ Get your savings back at the end
  3. ✓ No credit check required to join
  4. ✓ Over 1 million users helped
  5. ✓ Award-winning — Best Credit Building Service 2025
Cons
  1. ✗ Not a traditional loan — more of a savings-credit hybrid
  2. ✗ Results not guaranteed and vary by individual
  3. ✗ Monthly commitment required for full benefit
  4. ✗ Takes time to see meaningful score improvements

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