{"id":154187,"date":"2018-12-06T14:51:58","date_gmt":"2018-12-06T14:51:58","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=154187"},"modified":"2026-02-18T15:58:47","modified_gmt":"2026-02-18T15:58:47","slug":"loqbox","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox","title":{"rendered":"Loqbox review"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; }\n#user-review-promo-rating-stars .luna-stars::before, #user-review-promo-rating-stars .luna-stars::after { content: \"\\2605\" !important; }\n#user-review-promo-rating-stars .luna-stars::after { width: 0%; }\n#user-review-promo-rating-stars .luna-stars:hover::after { width: 100%; }\n#user-review-promo-rating-stars span.luna-stars:hover~span::after { width: 100%; }\n#user-review-promo-user, #user-review-promo-review, #user-review-promo-btn,\n#user-review-promo-members { display: none; transition: 1s all; opacity: 0; }\n#user-review-promo-close { font-size: 1.5em; text-align: right; padding-right: 0.5em; }\n#user-review-promo-close:hover { cursor: pointer; }\n#user-review-promo-core { display: none; }\n.lds-facebook { display: inline-block; position: relative; width: 80px; height: 80px; }\n.lds-facebook div { display: inline-block; position: absolute; left: 8px; width: 16px; background: #2ea8ff; animation: lds-facebook 1s cubic-bezier(0, 0.5, 0.5, 1) infinite; }\n.lds-facebook div:nth-child(1) { left: 8px; animation-delay: -0.24s; }\n.lds-facebook div:nth-child(2) { left: 32px; animation-delay: -0.12s; }\n.lds-facebook div:nth-child(3) { left: 56px; animation-delay: 0; }\n@keyframes lds-facebook { 0% { top: 8px; height: 64px; } 50%, 100% { top: 24px; height: 32px; } }\n<\/style>\n\n\n\n<div id=\"user-review-promo\">\n<div id=\"user-review-promo-content\">\n<div id=\"user-review-promo-close\" style=\"display: none\">x<\/div>\n\n<div id=\"review-loader\" class=\"lds-facebook\"><div><\/div><div><\/div><div><\/div><\/div>\n\n<div id=\"user-review-promo-core\">\n<img decoding=\"async\" id=\"user-review-promo-img\" src=\"\" style=\"max-width: 200px;\" loading=\"lazy\">\n<p class=\"u-italic text-xxx-large\">Leave a review<\/p>\n<p id=\"user-review-promo-copy\" class=\"u-border--b u-border--normal u-border--solid has-padding-bottom-small\"><\/p>\n\n<div id=\"user-review-promo-element\" class=\"has-margin-small\">\n<div id=\"user-review-promo-rating\">\n<div id=\"user-review-promo-rating-copy\"><\/div>\n<div id=\"user-review-promo-rating-stars\">\n<span id=\"star1\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"5\">\u2605<\/span>\n<span id=\"star2\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"4\">\u2605<\/span>\n<span id=\"star3\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"3\">\u2605<\/span>\n<span id=\"star4\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"2\">\u2605<\/span>\n<span id=\"star5\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"1\">\u2605<\/span>\n<\/div>\n<\/div>\n<div id=\"user-review-promo-review\">\n<p class=\"has-margin-bottom-xsmall\">Your review<\/p>\n<p id=\"user-review-promo-review-description\" style=\"font-size: .8em;\"><\/p>\n<textarea id=\"user-review-promo-review-text\" class=\"luna-input review\" style=\"width: 100%; min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3400!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.loqbox.com\/en-gb\/\" class=\"luna-button luna-button--primary\">Return to Loqbox<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate Loqbox?\");\n$(\"#user-review-promo-copy\").html(\"Used Loqbox? Share your view on Finder to help others make a great choice, and you could win \" + '&pound;400!');\n$(\"#user-review-promo-review-description\").html(\"Tell us about your experience with Loqbox. What did you like or dislike? What are the pros and cons? What should other people know?\");\n\n\n\n\nvar prvdrimg = 'https:\/\/cdn.finder.com.au\/niche-builder\/5dea2ccc850db.png';\nif ( $(\".compare-logo\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".compare-logo\").data(\"src\"));\n} else if ( $(\".standardMasthead__image\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".standardMasthead__image img\").attr(\"src\"));\n} else if ( $(\".creditCardMasthead__picture_wrapper img\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".creditCardMasthead__picture_wrapper img\").attr(\"src\"));\n} else if ( $(\".product-card__image-wrapper img\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".product-card__image-wrapper img\").attr(\"src\"));\n} else if ( prvdrimg.length ) {\n$(\"#user-review-promo-img\").attr(\"src\", prvdrimg);\n} else {\n$(\"#user-review-promo-img\").css(\"display\", \"none\");\n}\n\n\n\n\nif (user_review_step == \"complete\" || sessionData == 1) {\nif (sessionData == 1) { sessionStorage.removeItem(window.location.href.split('?')[0]); }\n$(\"#user-review-promo-rating\").css(\"display\", \"none\");\n$(\"#user-review-promo-close\").css(\"display\", \"block\");               \n$(\"#user-review-promo-close\").click(function(){ window.location.href='\/uk\/'; })\n$(\"#user-review-promo-members\").css(\"display\", \"block\");\n$(\"#user-review-promo-members\").css(\"opacity\", \"1\");\nif ( $(\"#user-review-promo-partner-return\").length ) {\n$(\"#user-review-partner-return\").appendTo(\"#user-review-promo-partner-return\");\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\n}           \n}\n\n\n\n\n$(\".reviewstar\").each(function(index) {\n$(this).on(\"click\", function(){\n$(\"#user-review-promo-rating\").css(\"display\", \"none\");\nuser_review_rating = $(this).data(\"rating\");\n$(\"#user-review-promo-review\").css(\"display\", \"block\");\n$(\"#user-review-promo-btn\").css(\"display\", \"block\");\nsetTimeout(function() {\n$(\"#user-review-promo-review\").css(\"opacity\", \"1\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"1\");\n}, 1)\n});\n});\n\n\n\n\n$(\"#user-review-promo-btn\").click(function(){\n\n\nif (user_review_screen == 0) {\nuser_review_screen++;\nuser_review_description = $(\"#user-review-promo-review-text\").val();\n$(\"#user-review-promo-review\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"0\");\n$(\"#user-review-promo-btn\").css(\"display\", \"block\");\n$(\"#user-review-promo-user\").css(\"display\", \"block\");\n$(\"#user-review-promo-btn\").text(\"Submit\");\nsetTimeout(function() {\n$(\"#user-review-promo-user\").css(\"opacity\", \"1\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"1\");\n}, 1)\n\n\n} else if (user_review_screen == 1) {\nuser_review_name = $(\"#user-review-promo-name\").val();\nuser_review_email = $(\"#user-review-promo-email\").val();\nif (user_review_email != \"\" && user_review_name != \"\" && isEmail(user_review_email)) {\nuser_review_screen++;\n$(\"#user-review-promo-user\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"display\", \"none\");\n$(\"#user-review-promo-members\").css(\"display\", \"block\");                     \nif ( $(\"#user-review-promo-partner-return\").length ) {\n$(\"#user-review-partner-return\").appendTo(\"#user-review-promo-partner-return\");\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\n}\nsetTimeout(function() {\n$(\"#user-review-promo-members\").css(\"opacity\", \"1\");\n}, 1)\npostReview();\n} else {\nif (!isEmail(user_review_email)) {\n$(\"#user-promo-email-field-error\").html(\"Please enter a valid email.\");\n}\n}\n}\n\n});\n\n\n            \n\n\n\n\nfunction postReview() {\nvar requestBody = {\n'displayName': user_review_name,\n'headline': 'User review',\n'review': user_review_description,\n'email': user_review_email,\n'location': user_review_data.countryCode,\n'rating': user_review_rating,\n'shortNicheCode': user_review_data.shortNicheCode,\n'nicheCode': user_review_data.niche,\n'countryCode': user_review_data.countryCode,\n'reviewableName': user_review_data.reviewableName,\n'productApiId': user_review_data.productApiId,\n'reviewableId': user_review_data.reviewableId,\n'entityType': user_review_data.entityType,\n'recordType': user_review_data.recordType,\n'blogId' : user_review_data.blogId\n};\nconsole.log(requestBody);\ntry {\nconst response = fetch(user_review_url, {\nmethod: 'POST',\nheaders: {\n'Accept': 'application\/json',\n'Content-Type': 'application\/json'\n},\nbody: JSON.stringify(requestBody),\n})\n} catch (error) { console.log(error); }\n\n\ntry {\nmembersSdk.getUserNotes().then(notes => {\nconst existingIdsReviewed = notes.filter(note => note.fieldName === 'idsreviewed').reverse()[0]?.value || \"\";\nvar fldval = existingIdsReviewed + user_review_data.productApiId + \",\";\nlet recordUserReview = new CustomEvent(\"SavePrefillValue\", {\ndetail: {\nkey: \"idsreviewed\",\nvalue: fldval,\nisGlobal: true\n}\n});\nwindow.dispatchEvent(recordUserReview);\nvar trackingParams = {};\ntrackingParams.signUpUrl = window.location.href;\ndocument.dispatchEvent(\nnew CustomEvent('ga4.track', {\ndetail: {\nname: \"formSubmitted\",\nparams: {\nformFields: {\n\"eventName\": \"reviewSubmitted\",\n\"niche\": user_review_data.niche,\n\"productId\": user_review_data.productApiId,\n\"productName\": user_review_data.reviewableName,\n\"title\": user_review_name, \n\"text\": user_review_description,\n\"country\": \"uk\",\n\"url\": window.location.href, \n\"rating\": user_review_rating,\n\"reviewableId\": user_review_data.reviewableId,\n\"idsReviewed\": fldval,\n}\n},\n}\n})\n);\n}).catch(error => { console.error('Failed to fetch notes:', error); });\n} catch (error) { console.log('Error during processing:', error); }\n\n\nvar optin = document.getElementById(\"check-1c\").checked;\nif (optin == true) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\ngetSignUpPayload(email);\n} else if (optinCheck == 0) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\ngetSegmentReviewEventPayload(email);\n}\n\n}\n\n\n\n\n}\n});\n\n\n\n\n\nfunction getSegmentReviewEventPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentReviewEvent(email,trackingParams);\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentReviewEvent(email,trackingParams) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"formSubmitted\",\nemail: email,\npayload: {\nsubmitNiche: 'UKFPL',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'userReview',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\ntrackSegmentBE(email);\nreturn true;\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\nvar phoneNumber = '';\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKFPL',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'userReview',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\ntrackSegmentBE(email);\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\nreturn true;\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) { return; }\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><p>Is it a loan? Is it a savings account? Well, it\u2019s both \u2013 so you\u2019re forgiven for getting confused. We\u2019ll try to cut through some of the confusion surrounding this innovative credit builder. <\/p><style>\r\n.hero-rates__rates > header > a { margin: 0px auto 5px; }\r\n.hero-rates__rates .hero-rates__header { max-width: 95%; margin-left: auto; margin-right: auto; }\r\n@media screen and (max-width: 600px) {\r\n.hero-rates__rates > header > a { max-width: 240px; }\r\n\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n\r\n}\r\n.hero-rates__description>ul.list-10, .hero-rates__description>ul.list-1, .hero-rates__description h3.hero-rates__offer { display: block; }\r\n\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<article id=\"ukfeatureproduct\" class=\"hero-rates uk-hero-rates\" style=\"max-width: 42rem; margin: 0 auto 20px; min-height: 0px; \">\r\n\r\n<div class=\"hero-rates__content\">\r\n<section class=\"hero-rates__rates\" style=\"flex-shrink: 0;\">\r\n  \r\n<header class=\"hero-rates__header has-margin-top-xsmall\">\r\n\r\n<a rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/personal-loans\/eligibility-loqbox-new-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22a9a1d9c4-ecd1-451b-b9c3-e63e4d4aff4a%22%2C%22product_name%22%3A%22Loqbox%22%2C%22offer_id%22%3A%229091%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_DEFAULT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFPL%22%2C%22post_id%22%3A%22154187%22%2C%22post_path%22%3A%22personal-loans%252Floqbox%22%2C%22post_country%22%3A%22uk%22%7D\">\r\n\r\n  \r\n<img decoding=\"async\" alt=\"Loqbox\" src=\"https:\/\/www.finder.com\/niche-builder\/6377c059209fd.png\" width=\"160\" height=\"100\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6377c059209fd.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6377c059209fd.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6377c059209fd.png?fit=480 480w\" sizes=\"(max-width: 480px) 100vw, 480px\" loading=\"lazy\">\r\n\r\n  \r\n<\/a>\r\n\r\n<\/header>\r\n  \r\n<\/section>\r\n\r\n<section class=\"hero-rates__description\">\r\n\r\n<h3 class=\"hero-rates__offer\">\r\nBuild your credit history while you save with Loqbox\r\n\r\n<\/h3>\r\n      \r\n\r\n\r\n\r\n<ul class=\"list-1\" style=\"max-width: 95%;\">\r\n<li>Gain the financial know-how you always wished for<\/li><li>Build and improve your credit history*<\/li><li>Achieve your money goals<\/li>\r\n\r\n<\/ul>\r\n\r\n<p>*Improvements to your credit score are not guaranteed. Missing payments to Loqbox or other credit accounts may harm your score.<\/p>\r\n\r\n\r\n<\/section>\r\n\r\n<section class=\"hero-rates__cta\">\r\n  \r\n<div class=\"applylinks UKFPL has-margin-top-xsmall\">\r\n\r\n<a class=\"luna-button luna-button--success luna-button--cta luna-button--large has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/redirect\/uk\/personal-loans\/eligibility-loqbox-new-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22a9a1d9c4-ecd1-451b-b9c3-e63e4d4aff4a%22%2C%22product_name%22%3A%22Loqbox%22%2C%22offer_id%22%3A%229091%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_DEFAULT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFPL%22%2C%22post_id%22%3A%22154187%22%2C%22post_path%22%3A%22personal-loans%252Floqbox%22%2C%22post_country%22%3A%22uk%22%7D\">\r\nLearn more\r\n\r\n<\/a>\r\n<br>\r\n\r\n\r\n  \r\n  \r\n  \r\n\r\n\r\n\r\n\r\n\r\n<\/div>\r\n\r\n<\/section>\r\n\r\n\r\n  \r\n<\/div>\r\n  \r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<\/article><div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"explain-Loqbox\">What is Loqbox?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Loqbox is a financial tool designed to help you build or rebuild a positive credit history with all 3 UK credit reference agencies while you save. It offers 2 membership options: Full and Lite. Full membership is \u00a32.99 per week, but you<br>can try out its powerful credit-building features with a one-week free trial.<\/p><p>When you choose to activate a Loqbox, on the Loqbox Save feature you\u2019ll set up a direct debit to save a set amount each month. These direct debits are cleverly treated as finance repayments, which are reported to credit reference agencies \u2013 demonstrating your financial responsibility to lenders and improving your chances of securing favourable credit deals. You can \u201cunlock\u201d your Loqbox anytime, withdraw all your savings, and end your membership.<\/p><\/div><\/div><\/div><h3>The free trial<\/h3><p>Your free trial will begin when you sign up for Full Loqbox Membership. You\u2019ve got access to<br>everything Loqbox has to offer. Use the free trial to get under the hood and see how it all works.<br>Check out its saving feature which is designed to build your credit score. <\/p><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"works\">How does Loqbox work?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Loqbox offers a variety of tools that aim to help boost your credit score and build (or rebuild) a positive credit history. Loqbox also provides guidance and financial education through its \u201cLearn\u201d tool. <\/p><p>Once you have chosen a Loqbox <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox#membership\">membership<\/a> that works for you, you can explore the tools available for your membership. <\/p><h4 id=\"save\">Loqbox Save \u2013 A saving strategy designed to improve credit score<\/h4><p>Saving is one of Loqbox\u2019s original credit-building features, and it does exactly what it says on the<br>tin: it helps you to build credit while you save.<\/p><p>You\u2019ll set an annual savings goal and then Loqbox collects 12 monthly amounts from your debit card. These are treated as finance repayments, which are reported to credit reference agencies. The<br>payments demonstrate your financial responsibility to lenders and should improve your chance<br>of accessing credit deals.<\/p><p>You can cancel this feature anytime and withdraw the savings you have made.<\/p><p>In a nutshell, Loqbox will handle each \u2018saving\u2019 payment as a payment on a 0% APR loan, which<br>helps to build your credit score.<\/p><p>Here\u2019s how it works:<\/p><ol><li>You choose to <strong>make regular monthly savings of anywhere between \u00a320 and \u00a3200<\/strong>.<\/li><li>Your <strong>monthly savings become repayments on a finance agreement<\/strong>. You use interest-<br>free credit to pay for your Loqbox savings over 12 months. Each repayment (what you save each month) gets added to your credit history.<\/li><li>You can then <strong>withdraw what you\u2019ve saved at any time<\/strong> or let the 12 months run its course. If you change your mind or think you might struggle to make a payment, you can withdraw your savings at any time. You\u2019ll get back everything you\u2019ve paid in. This means you won\u2019t have to miss any payments, which would harm your credit rating.<\/li><li>When you <strong>cancel your Loqbox and get all your money back<\/strong> (either after the 12 months are up, or sooner, if you decide to withdraw your money), you\u2019ll be asked to open a bank account or ISA with one of Loqbox\u2019s partner banks for it to pay your money into. This is how Loqbox gets paid \u2013 earning a referral fee from its partners for bringing in new customers, which is in turn how it makes the service free for you. If you don\u2019t want to do this, you can pay your savings into an existing account for a \u00a330 charge. With full membership, you can transfer your savings into any account free of additional charge.<\/li><\/ol><h4 id=\"rent\">Loqbox Rent \u2013 Report your rental payments<\/h4><p>This is Loqbox\u2019s credit building product that reports your regular rent payments to the credit<br>reference agency Experian, granted that you pay your rent on time each month. Here\u2019s how it<br>works:<\/p><ol><li>Connect your bank account to your Loqbox account, through Open Banking.<\/li><li>Loqbox identifies your rent payments.<\/li><li>After six consecutive rent payments, they are reported to Experian, helping to build your<br>credit history and therefore your creditworthiness.<\/li><\/ol><h4 id=\"grow\">Loqbox Grow<\/h4><p>Loqbox Grow is an interest-free credit account available to those with a Full Loqbox Membership. Loqbox reports your monthly membership payments to the credit reference agencies to help build your credit history.<\/p><p>Used responsibly, you could see an improvement to your credit score of \u201c125 points in the first six months on average\u201d.<\/p><h4 id=\"coach\">Loqbox Coach and Loqbox Learn<\/h4><p>Available to both memberships, Loqbox Coach and Loqbox Learn offer free personalised financial guidance and educational resources to improve your financial literacy and make smarter financial choices.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"membership\">What\u2019s the difference between Loqbox Lite and the Full Loqbox Membership?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Loqbox offers 2 membership options to help its customers achieve their financial goals. Loqbox Lite is only available by downgrading from Loqbox Full at the end of the free trial period. Here are the key differences:<\/p><table class=\"luna-table luna-table--fixedColumns\"><thead class=\"luna-table__header\"><tr><th scope=\"col\"><\/th><th scope=\"col\">Loqbox Lite<\/th><th scope=\"col\">Full Loqbox Membership<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Cost<\/th><td scope=\"row\">Free (Note: Loqbox Lite is only available by downgrading from Loqbox Full at the end of the free trial period)<\/td><td scope=\"row\">Free trial for seven days, then \u00a32.99 per week<\/td><\/tr><tr><th scope=\"row\">Savings Transfer<\/th><td scope=\"row\">Requires partner bank account (or pay \u00a330 to transfer to an existing account)<\/td><td scope=\"row\">Transfer to any account for free<\/td><\/tr><tr><th scope=\"row\">Available tools<\/th><td scope=\"row\"><ul><li>Loqbox <a href=\"#save\" class=\"scroll\">Save<\/a><\/li><li>Loqbox <a href=\"#coach\" class=\"scroll\">Coach<\/a><\/li><li>Loqbox <a href=\"#coach\" class=\"scroll\">Learn<\/a><\/li><\/ul><\/td><td scope=\"row\"><ul><li>Loqbox <a href=\"#save\" class=\"scroll\">Save<\/a><\/li><li>Loqbox <a href=\"#coach\" class=\"scroll\">Coach<\/a><\/li><li>Loqbox <a href=\"#coach\" class=\"scroll\">Learn<\/a><\/li><li>Loqbox <a href=\"#grow\" class=\"scroll\">Grow<\/a><\/li><li>Loqbox <a href=\"#rent\" class=\"scroll\">Rent<\/a><\/li><\/ul><\/td><\/tr><tr><th scope=\"row\">Potential savings<\/th><td scope=\"row\">Up to \u201c\u00a3240\u201d over 12 months<\/td><td scope=\"row\">Save \u00a3240 to \u00a32,400 per year (or, \u00a320 to<br>\u00a3200 per month)<\/td><\/tr><tr><th scope=\"row\">Potential credit score boost<\/th><td scope=\"row\">Up to \u201c145 points\u201d over 12 months<\/td><td scope=\"row\">It might add an average of 200 points to your<br>credit score in 12 months* (based on other Members\u2019 experiences)<\/td><\/tr><tr><th scope=\"row\">Extra Tools<\/th><td scope=\"row\">N\/A<\/td><td scope=\"row\"><ul><li><strong>25 Points Promise.<\/strong> Improve your score by 25+ points in a year, or Loqbox could give you \u00a325. Requires 52 consecutive membership payments.<\/li><li><strong>Priority support.<\/strong> Access to Loqbox\u2019s expert helpline<\/li><\/ul><\/td><\/tr><\/tbody><\/table><p><sub>* Improvements to your credit score are not guaranteed. Missing payments to Loqbox or other<br>credit accounts may harm your score.<\/sub><\/p><p>You can sign up online in under five minutes and have your Loqbox account open in another five minutes, and you won\u2019t be subjected to a credit check.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"safety\">Is Loqbox safe?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Loqbox is authorised and regulated by the Financial Conduct Authority (FCA). Any money you put into your Loqbox is protected (albeit in a roundabout way) by the Financial Services Compensation Scheme (FSCS) and is held in a dedicated client account, away from Loqbox\u2019s own funds. <\/p><p>Following a <a href=\"https:\/\/www.finder.com\/uk\/news\/loqbox-advises-customers-to-check-their-financial-accounts-following-recent-cyber-attack\">cyber-attack on 20 February 2020<\/a>, Loqbox has implemented enhanced protocols to protect client data. While all Loqbox funds remained safe and the company functioned as normal during this cyber attack, some of its customers\u2019 personal information was likely to have been compromised.<\/p><p>You may also be the target of phishing scams, but Loqbox will never contact you to ask for your full bank or card details. If you receive a call, text or email from someone claiming to be from Loqbox and asking for your financial information, do not give them your details. <\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"who\">Who is behind Loqbox?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Loqbox was founded in 2017 by Tom Eyre and Gregor Mowat with the mission to help people who have found themselves excluded from accessing fairly priced credit either because they are young with little or no credit history, or because they have made past credit mistakes.<\/p><p>It\u2019s worth noting that Loqbox isn\u2019t actually a lender \u2013 it acts as an \u201cintroducer\u201d. Credit is provided by DDC Financial Solutions. If you take out a Loqbox Save, you are effectively accepting a finance agreement from DDC financial solutions. Your monthly savings are the repayments on that agreement, which will build up your credit history over time. The finance that DDC provides has no charges or interest, essentially making it a cost-free way to improve your credit rating. So what\u2019s the catch? At the end of the term, you must be prepared to open an account ot ISA with one of Loqbox\u2019s partner banks, or pay a fee to transfer to one of your existing accounts. <\/p><p>Loqbox is authorised and regulated by the Financial Conduct Authority.<\/p><\/div><\/div><\/div><h3>What\u2019s good or bad about Loqbox?<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Loqbox Lite is free.<\/li>\n                                    <li>No credit check involved.<\/li>\n                                    <li>You'll build up some savings.<\/li>\n                                    <li>It offers a boost to your credit score (if used correctly), so the next time you apply for credit, you'll be in a stronger position. This could mean lower rates for you in the future.<\/li>\n                                    <li>You can pull out of the arrangement at any time and get all your money back.<\/li>\n                                    <li>Your funds are protected by the Financial Services Compensation Scheme (\"<a href=\"https:\/\/www.finder.com\/uk\/what-is-the-fscs\">FSCS<\/a>\") up to the tune of \u00a3120,000<\/li>\n                                    <li>Some credit-boosting services only report back to one credit reference agency, but Loqbox reports your payments back to the big 3 UK agencies: <a href=\"https:\/\/www.finder.com\/uk\/experian\">Experian<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/equifax\">Equifax<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/transunion\">TransUnion<\/a>.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>There is no guaranteed results.<\/li>\n                                    <li>There is an account fee if you want to access more credit building tools.<\/li>\n                                    <li>You're saving, but without <em>earning<\/em> any interest.<\/li>\n                                    <li>If you miss a payment, you'll actually damage your credit record.<\/li>\n                                    <li>At the end of the 12 months you'll end up with a new account that you might not have wanted, or alternatively, you'll incur a \u00a330 fee.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Am I eligible for Loqbox?<\/h3><p>There aren\u2019t many eligibility requirements. To be accepted you must:<\/p><ul class=\"list-1 has-margin-bottom\"><li>be over 18 years<\/li><li>live in the UK (including the Channel Islands and the Isle of Man)<\/li><li>have an email address, phone number and residential address<\/li><li>not be facing any county court judgements or insolvency proceedings.<\/li><\/ul><p><strong>For the Loqbox Lite membership<\/strong>, you must also be willing to open a savings account or ISA with one of Loqbox\u2019s partner banks, or otherwise be willing to pay a \u00a330 fee. If you have made 26 weekly payments, this fee is waived for those with a Full Loqbox Membership.<\/p><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"verdict\">Our verdict: Is Loqbox any good?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>The boost to your credit score and the fact that it\u2019s free (if you go for Loqbox Lite and open an account with a Loqbox partner) make it easy to look past Loqbox\u2019s flaws. For people looking to access a loan right now, Loqbox isn\u2019t the answer. But if you\u2019re serious about building a positive credit history and accessing lower rates in the not-too-distant future, we think Loqbox is a smart choice. Plus, if you\u2019re willing to pay a fee, Loqbox offers a paid membership with access to more credit-building tools.<\/p><p>Other companies  have started to copy Loqbox (check out <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/pave-review\">Pave<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/bits\">Bits<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/tymit-credit-card#booster\">Tymit Booster<\/a>) \u2013 which is always a good sign. But Loqbox is still out in front due to its pricing and the fact that it reports to all 3 main UK credit reference agencies.<\/p><\/div><\/div><\/div><\/div><div class=\"eeQuote box u-rounded--lg source-external type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 8.43956C27.411 10.2298 27.0052 11.8282 26.9428 13.2348C28.5036 13.8102 29.7211 14.6733 30.5952 15.8242C31.5317 16.975 32 18.3816 32 20.044C32 22.0899 31.3132 23.8482 29.9396 25.3187C28.6285 26.7253 26.974 27.4286 24.976 27.4286C22.9157 27.4286 21.1987 26.7253 19.8251 25.3187C18.4516 23.9121 17.7648 21.8661 17.7648 19.1808C17.7648 16.3037 18.514 13.043 20.0124 9.3986C21.5109 5.75424 23.6025 2.62138 26.2872 0L30.8762 3.54845Z\" fill=\"#232320\"><\/path>\n<\/svg>\n            <\/div>\n\n                            <figure class=\"eeQuote__photo\">\n                        <img decoding=\"async\" alt=\"Sam Morgan's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/03\/sam-case-study-.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" loading=\"lazy\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/03\/sam-case-study-.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/03\/sam-case-study-.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/03\/sam-case-study-.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\">\n                <\/figure>\n\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Case study: Sam used Loqbox to build his credit<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"Coming out of uni, I used Loqbox to build my credit. You only have to pay in \u00a320 or \u00a330 a month. It\u2019s a really good way to build credit up. It has lots of advice on building credit and gives you a good education about improving your credit rating. The app is really good, really well branded and easy to use.<\/p><p>I withdrew my money at the end of the year. The charge was very clear. I was a bit sceptical about how they make money, so I read the T&amp;Cs first and was aware of the charge.<\/p><p><strong>If there\u2019s one thing you\u2019d tell a friend who\u2019s thinking of getting this, what would it be?<\/strong><\/p><p>If you\u2019re someone who isn\u2019t very good at building credit or not particularly educated around finance, Loqbox is a really good thing to use. I got a lot out of the educational side of it. Learning how to use credit was the real benefit of it.<\/p><p>My credit rating improved around 30\/40 points (on Experian) with Loqbox. But I would say the overall impact was around 100 points because of my attitude going forwards. My credit score improved from \u2018Poor\u2019 to \u2018OK\u2019.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <div class=\"eeQuote__authorName\">\n                        Sam Morgan\n                                            <\/div>\n                                                    <div class=\"eeQuote__authorTitle\">London<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<h3>How does Loqbox compare?<\/h3><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <!-- no filters config: `{\"includeUserFilters\":false,\"hasAnyUserFilters\":false,\"isNbNiche\":true,\"isNbTable\":true}` --><div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"7ad802b7-fc28-4cd1-a817-c5ba89aa421d\" data-template=\"comparison\" data-niche=\"UKFCR-TLS\" data-site=\"UKFCR-TLS\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"default\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"154187\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFCR-TLS\",\"fieldset\":\"default\",\"template\":\"comparison\",\"category_id\":\"7ad802b7-fc28-4cd1-a817-c5ba89aa421d\",\"category_name\":\"allproducts\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778369058}' data-disable-alternative-products=\"true\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"comparison-actions__filterAndSort\"><div id=\"portal-table-sort-button-mobile\" class=\"comparison-actions__tablesort\"><\/div><div id=\"portal-table-filter-button-mobile\" class=\"comparison-actions__filter\"><\/div><\/div><div id=\"portal-tableWithFilters__table\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col u-1\/2\"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-7ad802b7-fc28-4cd1-a817-c5ba89aa421d\">7 of 14 results<\/span><\/small><\/div><div class=\"u-grid__col u-1\/2 templateTable__lastUpdatedWithCounterContainer\"><span><a aria-label=\"Data updated\" class=\"disclaimer_popup u-color--foreground-main horizontal-promo-box__popup finder-modal-trigger\" data-modal-id=\"data_updated_popup\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><span class=\"u-pl--1\">Updated\n\t\t\t\t\tregularly<\/span><\/a><\/span><span class=\"templateTable__shareMyFilters is-hidden@xs is-hidden@sm\"><a class=\"share-filters-link\"><svg class=\"luna-icon luna-icon--small\"><use xlink:href=\"#share-fat\"><\/use><\/svg><span class=\"u-pl--1\">Share<\/span><\/a><\/span><\/div><\/div><div class=\"comparison-actions__filterAndSort--sticky\"><div id=\"portal-table-sort-button-mobile-sticky\" class=\"comparison-actions__tablesort\"><\/div><div id=\"portal-table-filter-button-mobile-sticky\" class=\"comparison-actions__filter\"><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-mobile-compare=\"true\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKFCR-TLS\" data-site=\"UKFCR-TLS\" data-table-id=\"2690\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-leadform-modal=\"\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFCR-TLS\",\"fieldset\":\"default\",\"template\":\"comparison\",\"category_id\":\"7ad802b7-fc28-4cd1-a817-c5ba89aa421d\",\"category_name\":\"allproducts\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778369058}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukfcr-tls\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"7\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"7\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"14\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-user-filters data-table-filter-presets=\"7f53e9bec6cb6ea2c03b65905e1bb22a83dc0c6c30ad2525da4cd9e34c28652c\" data-table-record-type=\"product\" data-table-record-ids='[\"83d332e9-07c0-43c3-a1f9-0ee3af732e57\",\"0e0a4a6f-47d8-41d1-ab35-e644b6a934f2\",\"caf69d63-f901-4614-9d36-6be7f89ffa5c\",\"d6430b0f-7adf-4dbe-bc3d-ed35f8730024\",\"973c61e9-7ae2-437b-9ae9-58b9c6812398\",\"3c679822-70f8-49cb-9808-c370a7b65833\",\"9338f9d5-ae56-442d-b8cd-6cc595bc265e\"]' data-total-data=\"7\" data-enable-top-filters=\"false\" data-total-product-count=\"14\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-5\"><th data-ajax-table-sorter-column=\"UKFCR-TLS.PRODUCT.DATAPOINT_STAR_RATING\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"score\">\n                                                        Score\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.FEATURES.REPORTS_TO\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"reports_to\">\n                                                        Reports to\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.FEATURES.SAVINGS_DEPOSIT\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"savings_requirement\">\n                                                        Savings requirement\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.FEATURES.CREDIT_LIMIT\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"credit_limit\">\n                                                        Credit limit\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFCR-TLS.PRODUCT.DATAPOINT_SERVICE_FEE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"fee\">\n                                                        Fee\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th class=\"comparison-table__feature comparison-table__feature--longtext no-margin-bottom no-padding-bottom sorter-false  \" data-field-targetable=\"\" data-sorter-title=\"how_it_works\">\n                                                        How it works\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><\/tr><\/thead><tbody><style>\n\t.rewards-infobox .deals-banner { display:flex; flex-direction: row; border-radius: 16px; border:1px solid #000; overflow: hidden; }\n\t.rewards-infobox .deals-left { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); display:flex; flex-direction: column; align-items:center; justify-content:space-between; position: relative; width: 110px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-left { width: 110px; } }\n\t.rewards-infobox .deals-right { background:#1a50ff; color:#fff; padding: 8px; display:flex; flex-direction: column; gap:2px; justify-content:center; flex: 1; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-right { padding: 8px; } }\n\t.rewards-infobox .deals-phone { position: absolute; top: 8px; left: 12px; }\n\t.rewards-infobox .deals-ends { color:#000; font-weight:800; font-size:12px; line-height:12px; padding:6px 10px; font-style: italic; border-radius: 9999px; display:inline-flex; align-items:center; text-transform: uppercase; display: none; }\n\t.rewards-infobox .deals-ends-text { padding-top: 2px; }\n\t.rewards-infobox .deals-header { display:flex; align-items:center; flex-wrap: nowrap; gap:4px; cursor:pointer; }\n\t.rewards-infobox .deals-amount { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); color:#232320; font-size:32px; line-height:28px; letter-spacing: -0.75px; text-transform: uppercase; padding: 2px 4px 0 2px; border-radius: 4px; font-style: italic; font-weight: bold; font-size: 30px; }\n\t.rewards-infobox .deals-title { color: white; text-transform: uppercase; font-style:italic; font-weight:bold; font-size:16px; flex: 1; }\n\t.rewards-infobox .deals-list { display:flex; flex-direction: column; flex-wrap: wrap; gap:2px; margin: 4px 0 2px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-list { flex-direction: row; row-gap: 4px; column-gap: 20px; } }\n\t.rewards-infobox .deals-step { display:flex; align-items: baseline; gap:4px; }\n\t.rewards-infobox .deals-step-num { background:#FFD23B; color:#000; display:inline-flex; align-items:center; justify-content:center; font-weight:bold; font-style: italic; border-radius:2px; font-size:12px; margin-top:2px; line-height: 12px; padding-top: 2px; min-width: 11px; }\n\t.rewards-infobox .deals-step-text { color:#fff; font-size:12px; line-height:16px; font-weight: bold; }\n\t.rewards-infobox .deals-disclaimer { color:#E8EEFF; font-size:12px; margin-top: 4px; width: fit-content; }\n\t.rewards-infobox .deals-disclaimer a { color:#BFD0FF; text-decoration: underline; font-size: 12px; }\n\t.rewards-infobox .rewards-end-date { font-size: 12px; }\n\t\n\t\t.rewards-infobox .deals-countdown {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tmargin-top: 8px;\n\t\tflex-wrap: wrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__label {\n\t\tcolor: #fff;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\tpadding-right: 6px;\n\t\twhite-space: nowrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__timer {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tgap: 4px;\n\t}\n\n\t.rewards-infobox .deals-countdown__unit {\n\t\tdisplay: inline-flex;\n\t\talign-items: center;\n\t}\n\n\t.rewards-infobox .deals-countdown__value {\n\t\tbackground: #FFD238;\n\t\tcolor: #000;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\ttext-align: center;\n\t\tfont-style: italic;\n\t\tmin-width: 24px;\n\t\tmin-height: 14px;\n\t\tline-height: 100%;\n\t\tletter-spacing: -0.025em;\n\t\tfont-feature-settings: 'tnum' on, 'lnum' on;\n\t\tpadding: 2px;\n\t}\n\n\t.rewards-infobox .deals-countdown__separator {\n\t\tcolor: #fff;\n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t}\n\n\t@media (max-width: 600px) {\n\t\t.rewards-infobox .deals-countdown__value {\n\t\t\tpadding: 2px;\n\t\t}\n\t}\n\n\t\ttd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width: 100%; }\n\n\t\t@media (max-width: 600px) {\n\t\t.reward-col-order-3 { grid-row: 3 !important; }\n\t\t.reward-col-order-4 { grid-row: 4 !important; }\n\t\t.reward-col-order-5 { grid-row: 5 !important; }\n\t\t.reward-col-order-6 { grid-row: 6 !important; }\n\t\t.reward-col-order-7 { grid-row: 7 !important; }\n\t\t.reward-col-order-8 { grid-row: 8 !important; }\n\t\t.reward-col-order-neg-3 { grid-row: -3 !important; }\n\t\t.reward-col-order-neg-4 { grid-row: -4 !important; }\n\t\t.reward-col-order-neg-5 { grid-row: -5 !important; }\n\t\t.reward-col-order-neg-6 { grid-row: -6 !important; }\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: unset;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><tr data-product-id=\"83d332e9-07c0-43c3-a1f9-0ee3af732e57\" data-provider-id=\"b35300f1-3eb7-42d6-8229-31bcd62bfb18\" data-product-name=\"Wollit\" data-provider-name=\"Wollit\" class=\"grid-column-count-5  mobile-column-count-5 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/wollit-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6697c20510a69.png\" alt=\"Wollit logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6697c20510a69.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6697c20510a69.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6697c20510a69.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6697c20510a69.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6697c20510a69.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/wollit-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Wollit<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfcr-tls.product.datapoint_star_rating\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Score\"><div class=\"has-margin-bottom-xxsmall\">Finder Score<\/div><span class=\"luna-stars luna-stars__fill--90 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"Experian,Equifax,TransUnion\" data-column-index=\"2\" data-decorator=\"text,global.value.datapoint_add_commas_spaces_to_multiselect\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Reports to\">\n                        Experian, Equifax, TransUnion\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"N\/A\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Savings requirement\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                        rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"N\/A\" data-column-index=\"4\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Credit limit\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                            border-left\n                                                                                                                        rounded-bottom-right\n                                                                                                                                                                            span-1\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfcr-tls.product.datapoint_service_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        \u00a39.99 per month\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom sorter-false\" data-sortvalue=\"Build your credit score with a 12 month credit building plan starting from \u00a39.99 a month (7-day free trial). Wollit reports your payments to all major UK credit agencies and offers tools like Rent Reporting and Affordability Optimiser.\" data-column-index=\"6\" data-decorator=\"text,global.value.datapoint_table_info\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"How it works\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"has-margin-bottom-xsmall u-bg--sky-subtle u-rounded--xs u-color--blue-700 weight-semi-bold\" style=\"width: 100%; padding: 0.85em !important; line-height: 18px;\"><svg class=\"luna-icon\" style=\"height: 17px; width: 17px; margin-right: 6px; fill: #002ebf;\"><use xlink:href=\"#info\"><\/use><\/svg>Build your credit score with a 12 month credit building plan starting from \u00a39.99 a month (7-day free trial). Wollit reports your payments to all major UK credit agencies and offers tools like Rent Reporting and Affordability Optimiser.<\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"83d332e9-07c0-43c3-a1f9-0ee3af732e57\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-score\/wollit-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFCR-TLS%22%2C%22fieldset%22%3A%22default%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%227ad802b7-fc28-4cd1-a817-c5ba89aa421d%22%2C%22category_name%22%3A%22allproducts%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778369058%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2225141%22%2C%22niche_code%22%3A%22UKFCR-TLS%22%2C%22product_id%22%3A%2283d332e9-07c0-43c3-a1f9-0ee3af732e57%22%2C%22product_name%22%3A%22Wollit%22%2C%22post_id%22%3A%22154187%22%2C%22post_path%22%3A%22personal-loans%252Floqbox%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium button--cta\" title=\"Go to Wollit's site\">Go to site<\/a><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about Wollit\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"83d332e9-07c0-43c3-a1f9-0ee3af732e57\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"0e0a4a6f-47d8-41d1-ab35-e644b6a934f2\" data-provider-id=\"8d5d0ebf-61a4-474f-9cc6-0010f01c8893\" data-product-name=\"Loqbox Lite\" data-provider-name=\"Loqbox\" class=\"grid-column-count-5  mobile-column-count-5 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6377bf0e54992.png\" alt=\"Loqbox logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6377bf0e54992.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6377bf0e54992.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6377bf0e54992.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6377bf0e54992.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6377bf0e54992.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Loqbox Lite<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfcr-tls.product.datapoint_star_rating\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Score\"><div class=\"has-margin-bottom-xxsmall\">Finder Score<\/div><span class=\"luna-stars luna-stars__fill--90 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"Experian,Equifax,TransUnion\" data-column-index=\"2\" data-decorator=\"text,global.value.datapoint_add_commas_spaces_to_multiselect\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Reports to\">\n                        Experian, Equifax, TransUnion\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\u00a320 - \u00a3240 per month\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Savings requirement\">\n                        \u00a320 - \u00a3240 per month\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                        rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"N\/A\" data-column-index=\"4\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Credit limit\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                            border-left\n                                                                                                                        rounded-bottom-right\n                                                                                                                                                                            span-1\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfcr-tls.product.datapoint_service_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom sorter-false\" data-sortvalue=\",120%\u2013.\u00a330..\" data-column-index=\"6\" data-decorator=\"text,global.value.datapoint_table_info\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"How it works\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"has-margin-bottom-xsmall u-bg--sky-subtle u-rounded--xs u-color--blue-700 weight-semi-bold\" style=\"width: 100%; padding: 0.85em !important; line-height: 18px;\"><svg class=\"luna-icon\" style=\"height: 17px; width: 17px; margin-right: 6px; fill: #002ebf;\"><use xlink:href=\"#info\"><\/use><\/svg>With the Loqbox Save feature, you decide how much you can save over 12 months and Loqbox will handle each deposit as a payment on a 0% APR loan \u2013 helping build your credit. Receive all your savings back into an existing account for \u00a330. Improvements to your credit score are not guaranteed.<\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"0e0a4a6f-47d8-41d1-ab35-e644b6a934f2\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-score\/loqboxfree-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFCR-TLS%22%2C%22fieldset%22%3A%22default%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%227ad802b7-fc28-4cd1-a817-c5ba89aa421d%22%2C%22category_name%22%3A%22allproducts%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778369058%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2210239%22%2C%22niche_code%22%3A%22UKFCR-TLS%22%2C%22product_id%22%3A%220e0a4a6f-47d8-41d1-ab35-e644b6a934f2%22%2C%22product_name%22%3A%22Loqbox%2BLite%22%2C%22post_id%22%3A%22154187%22%2C%22post_path%22%3A%22personal-loans%252Floqbox%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium button--cta\" title=\"Go to Loqbox's site\">Go to site<\/a><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about Loqbox Lite\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"0e0a4a6f-47d8-41d1-ab35-e644b6a934f2\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"caf69d63-f901-4614-9d36-6be7f89ffa5c\" data-provider-id=\"d7cb3c7a-1d88-4216-91e7-8fb5447d6d17\" data-product-name=\"Pave Plus\" data-provider-name=\"Pave\" class=\"grid-column-count-5  mobile-column-count-5 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/pave-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/61c05d712477e.png\" alt=\"Pave logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/61c05d712477e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/61c05d712477e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/61c05d712477e.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/61c05d712477e.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/61c05d712477e.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/pave-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Pave Plus<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfcr-tls.product.datapoint_star_rating\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Score\"><div class=\"has-margin-bottom-xxsmall\">Finder Score<\/div><span class=\"luna-stars luna-stars__fill--70 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"Experian,Equifax,TransUnion\" data-column-index=\"2\" data-decorator=\"text,global.value.datapoint_add_commas_spaces_to_multiselect\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Reports to\">\n                        Experian, Equifax, TransUnion\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"N\/A\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Savings requirement\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                        rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"Not specified\" data-column-index=\"4\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Credit limit\">\n                        Not specified\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                            border-left\n                                                                                                                        rounded-bottom-right\n                                                                                                                                                                            span-1\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfcr-tls.product.datapoint_service_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        \u00a39 per month\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom sorter-false\" data-sortvalue=\"Build your credit score with all major Credit Reference Agencies by paying your membership fee on time. Subject to eligibility, Pave may open a credit line that you can use to top up your bank account periodically.\" data-column-index=\"6\" data-decorator=\"text,global.value.datapoint_table_info\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"How it works\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"has-margin-bottom-xsmall u-bg--sky-subtle u-rounded--xs u-color--blue-700 weight-semi-bold\" style=\"width: 100%; padding: 0.85em !important; line-height: 18px;\"><svg class=\"luna-icon\" style=\"height: 17px; width: 17px; margin-right: 6px; fill: #002ebf;\"><use xlink:href=\"#info\"><\/use><\/svg>Build your credit score with all major Credit Reference Agencies by paying your membership fee on time. Subject to eligibility, Pave may open a credit line that you can use to top up your bank account periodically.<\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"caf69d63-f901-4614-9d36-6be7f89ffa5c\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-score\/paveplus-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFCR-TLS%22%2C%22fieldset%22%3A%22default%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%227ad802b7-fc28-4cd1-a817-c5ba89aa421d%22%2C%22category_name%22%3A%22allproducts%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778369058%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2220517%22%2C%22niche_code%22%3A%22UKFCR-TLS%22%2C%22product_id%22%3A%22caf69d63-f901-4614-9d36-6be7f89ffa5c%22%2C%22product_name%22%3A%22Pave%2BPlus%22%2C%22post_id%22%3A%22154187%22%2C%22post_path%22%3A%22personal-loans%252Floqbox%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium button--cta\" title=\"Go to Pave's site\">Go to site<\/a><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about Pave Plus\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"caf69d63-f901-4614-9d36-6be7f89ffa5c\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"d6430b0f-7adf-4dbe-bc3d-ed35f8730024\" data-provider-id=\"d7cb3c7a-1d88-4216-91e7-8fb5447d6d17\" data-product-name=\"Pave Lite\" data-provider-name=\"Pave\" class=\"grid-column-count-5  mobile-column-count-5 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/pave-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/61c0581619078.png\" alt=\"Pave logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/61c0581619078.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/61c0581619078.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/61c0581619078.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/61c0581619078.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/61c0581619078.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/pave-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Pave Lite<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfcr-tls.product.datapoint_star_rating\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Score\"><div class=\"has-margin-bottom-xxsmall\">Finder Score<\/div><span class=\"luna-stars luna-stars__fill--60 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"TransUnion\" data-column-index=\"2\" data-decorator=\"text,global.value.datapoint_add_commas_spaces_to_multiselect\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Reports to\">\n                        TransUnion\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"N\/A\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Savings requirement\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                        rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"N\/A\" data-column-index=\"4\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Credit limit\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                            border-left\n                                                                                                                        rounded-bottom-right\n                                                                                                                                                                            span-1\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfcr-tls.product.datapoint_service_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        \u00a35 per month\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom sorter-false\" data-sortvalue=\"Build your Experian credit score by paying your membership fee on time (reported to Experian as loan repayments).\" data-column-index=\"6\" data-decorator=\"text,global.value.datapoint_table_info\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"How it works\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"has-margin-bottom-xsmall u-bg--sky-subtle u-rounded--xs u-color--blue-700 weight-semi-bold\" style=\"width: 100%; padding: 0.85em !important; line-height: 18px;\"><svg class=\"luna-icon\" style=\"height: 17px; width: 17px; margin-right: 6px; fill: #002ebf;\"><use xlink:href=\"#info\"><\/use><\/svg>Build your Experian credit score by paying your membership fee on time (reported to Experian as loan repayments).<\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"d6430b0f-7adf-4dbe-bc3d-ed35f8730024\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-score\/pavelite-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFCR-TLS%22%2C%22fieldset%22%3A%22default%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%227ad802b7-fc28-4cd1-a817-c5ba89aa421d%22%2C%22category_name%22%3A%22allproducts%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778369058%22%2C%22position%22%3A%224%22%2C%22offer_id%22%3A%2220517%22%2C%22niche_code%22%3A%22UKFCR-TLS%22%2C%22product_id%22%3A%22d6430b0f-7adf-4dbe-bc3d-ed35f8730024%22%2C%22product_name%22%3A%22Pave%2BLite%22%2C%22post_id%22%3A%22154187%22%2C%22post_path%22%3A%22personal-loans%252Floqbox%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium button--cta\" title=\"Go to Pave's site\">Go to site<\/a><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about Pave Lite\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"d6430b0f-7adf-4dbe-bc3d-ed35f8730024\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"973c61e9-7ae2-437b-9ae9-58b9c6812398\" data-provider-id=\"8d5d0ebf-61a4-474f-9cc6-0010f01c8893\" data-product-name=\"Full Loqbox Membership\" data-provider-name=\"Loqbox\" class=\"grid-column-count-5  mobile-column-count-5 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6377bf1d761b0.png\" alt=\"Loqbox logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6377bf1d761b0.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6377bf1d761b0.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6377bf1d761b0.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6377bf1d761b0.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6377bf1d761b0.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Full Loqbox Membership<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfcr-tls.product.datapoint_star_rating\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Score\"><div class=\"has-margin-bottom-xxsmall\">Finder Score<\/div><span class=\"luna-stars luna-stars__fill--90 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"Experian,Equifax,TransUnion\" data-column-index=\"2\" data-decorator=\"text,global.value.datapoint_add_commas_spaces_to_multiselect\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Reports to\">\n                        Experian, Equifax, TransUnion\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"N\/A\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Savings requirement\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                        rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"N\/A\" data-column-index=\"4\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Credit limit\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                            border-left\n                                                                                                                        rounded-bottom-right\n                                                                                                                                                                            span-1\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfcr-tls.product.datapoint_service_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        \u00a32.99 per week\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom sorter-false\" data-sortvalue=\"Build your credit history with TransUnion, Equifax and Experian by paying your membership fee on time. Improvements to your credit score are not guaranteed.\" data-column-index=\"6\" data-decorator=\"text,global.value.datapoint_table_info\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"How it works\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"has-margin-bottom-xsmall u-bg--sky-subtle u-rounded--xs u-color--blue-700 weight-semi-bold\" style=\"width: 100%; padding: 0.85em !important; line-height: 18px;\"><svg class=\"luna-icon\" style=\"height: 17px; width: 17px; margin-right: 6px; fill: #002ebf;\"><use xlink:href=\"#info\"><\/use><\/svg>Build your credit history with TransUnion, Equifax and Experian by paying your membership fee on time. Improvements to your credit score are not guaranteed.<\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"973c61e9-7ae2-437b-9ae9-58b9c6812398\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-score\/loqboxflexi-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFCR-TLS%22%2C%22fieldset%22%3A%22default%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%227ad802b7-fc28-4cd1-a817-c5ba89aa421d%22%2C%22category_name%22%3A%22allproducts%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778369058%22%2C%22position%22%3A%225%22%2C%22offer_id%22%3A%2210239%22%2C%22niche_code%22%3A%22UKFCR-TLS%22%2C%22product_id%22%3A%22973c61e9-7ae2-437b-9ae9-58b9c6812398%22%2C%22product_name%22%3A%22Full%2BLoqbox%2BMembership%22%2C%22post_id%22%3A%22154187%22%2C%22post_path%22%3A%22personal-loans%252Floqbox%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium button--cta\" title=\"Go to Loqbox's site\">Go to site<\/a><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about Full Loqbox Membership\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"973c61e9-7ae2-437b-9ae9-58b9c6812398\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"3c679822-70f8-49cb-9808-c370a7b65833\" data-provider-id=\"d7cb3c7a-1d88-4216-91e7-8fb5447d6d17\" data-product-name=\"Pave Spotlight\" data-provider-name=\"Pave\" class=\"grid-column-count-5  mobile-column-count-5 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/pave-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/61c058223c62d.png\" alt=\"Pave logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/61c058223c62d.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/61c058223c62d.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/61c058223c62d.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/61c058223c62d.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/61c058223c62d.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/pave-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Pave Spotlight<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfcr-tls.product.datapoint_star_rating\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Score\"><div class=\"has-margin-bottom-xxsmall\">Finder Score<\/div><span class=\"luna-stars luna-stars__fill--40 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"N\/A\" data-column-index=\"2\" data-decorator=\"text,global.value.datapoint_add_commas_spaces_to_multiselect\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Reports to\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"N\/A\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Savings requirement\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                        rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"N\/A\" data-column-index=\"4\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Credit limit\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                            border-left\n                                                                                                                        rounded-bottom-right\n                                                                                                                                                                            span-1\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfcr-tls.product.datapoint_service_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        \u00a33 (one-off)\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom sorter-false\" data-sortvalue=\"Identify the best fixes for your score and check if Pave Plus could help you build credit.\" data-column-index=\"6\" data-decorator=\"text,global.value.datapoint_table_info\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"How it works\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"has-margin-bottom-xsmall u-bg--sky-subtle u-rounded--xs u-color--blue-700 weight-semi-bold\" style=\"width: 100%; padding: 0.85em !important; line-height: 18px;\"><svg class=\"luna-icon\" style=\"height: 17px; width: 17px; margin-right: 6px; fill: #002ebf;\"><use xlink:href=\"#info\"><\/use><\/svg>Identify the best fixes for your score and check if Pave Plus could help you build credit.<\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"3c679822-70f8-49cb-9808-c370a7b65833\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-score\/pavebasic-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFCR-TLS%22%2C%22fieldset%22%3A%22default%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%227ad802b7-fc28-4cd1-a817-c5ba89aa421d%22%2C%22category_name%22%3A%22allproducts%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778369058%22%2C%22position%22%3A%226%22%2C%22offer_id%22%3A%2220517%22%2C%22niche_code%22%3A%22UKFCR-TLS%22%2C%22product_id%22%3A%223c679822-70f8-49cb-9808-c370a7b65833%22%2C%22product_name%22%3A%22Pave%2BSpotlight%22%2C%22post_id%22%3A%22154187%22%2C%22post_path%22%3A%22personal-loans%252Floqbox%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium button--cta\" title=\"Go to Pave's site\">Go to site<\/a><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about Pave Spotlight\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"3c679822-70f8-49cb-9808-c370a7b65833\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"9338f9d5-ae56-442d-b8cd-6cc595bc265e\" data-provider-id=\"606ce120-71f5-430c-921c-b838c88f0fa9\" data-product-name=\"Bits Basic\" data-provider-name=\"Bits\" class=\"grid-column-count-5  mobile-column-count-5 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/bits\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/62b2e8773a268.png\" alt=\"Bits logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/62b2e8773a268.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/62b2e8773a268.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/62b2e8773a268.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/62b2e8773a268.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/62b2e8773a268.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/bits\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Bits Basic<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfcr-tls.product.datapoint_star_rating\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Score\"><div class=\"has-margin-bottom-xxsmall\">Finder Score<\/div><span class=\"luna-stars luna-stars__fill--70 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"Experian,TransUnion\" data-column-index=\"2\" data-decorator=\"text,global.value.datapoint_add_commas_spaces_to_multiselect\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Reports to\">\n                        Experian, TransUnion\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"N\/A\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Savings requirement\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                        rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\u00a348\" data-column-index=\"4\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Credit limit\">\n                        \u00a348\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                            border-left\n                                                                                                                        rounded-bottom-right\n                                                                                                                                                                            span-1\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfcr-tls.product.datapoint_service_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        \u00a34 per month\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom sorter-false\" data-sortvalue=\"Build your credit score with Experian by paying your monthly subscription fee. You can also opt into Bits\u2019 \u201cRent reporting\u201d service to start reporting your rent payments to Equifax.\" data-column-index=\"6\" data-decorator=\"text,global.value.datapoint_table_info\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"How it works\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"has-margin-bottom-xsmall u-bg--sky-subtle u-rounded--xs u-color--blue-700 weight-semi-bold\" style=\"width: 100%; padding: 0.85em !important; line-height: 18px;\"><svg class=\"luna-icon\" style=\"height: 17px; width: 17px; margin-right: 6px; fill: #002ebf;\"><use xlink:href=\"#info\"><\/use><\/svg>Build your credit score with Experian by paying your monthly subscription fee. You can also opt into Bits\u2019 \u201cRent reporting\u201d service to start reporting your rent payments to Equifax.<\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about Bits Basic\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"9338f9d5-ae56-442d-b8cd-6cc595bc265e\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          productId: product_id,\n        };\n      } catch (e) {\n        console.error(\"Failed to parse redirect_tracking_params\", e);\n      }\n    }\n\n    function initCountdownTimer(rewardsProduct, endDateStr) {\n      const countdownEl = rewardsProduct.querySelector(\".deals-countdown\");\n      \n      if (!countdownEl || !endDateStr) return;\n\n      const daysEl = countdownEl.querySelector(\"[data-countdown-days]\");\n      const hoursEl = countdownEl.querySelector(\"[data-countdown-hours]\");\n      const minutesEl = countdownEl.querySelector(\"[data-countdown-minutes]\");\n      const secondsEl = countdownEl.querySelector(\"[data-countdown-seconds]\");\n\n      let countdownInterval;\n\n      const updateCountdown = () => {\n        const now = new Date().getTime();\n        const endTime = new Date(endDateStr).getTime();\n        const distance = endTime - now;\n\n        if (distance < 0) {\n          \/\/ Countdown finished\n          if (daysEl) daysEl.textContent = \"00d\";\n          if (hoursEl) hoursEl.textContent = \"00h\";\n          if (minutesEl) minutesEl.textContent = \"00m\";\n          if (secondsEl) secondsEl.textContent = \"00s\";\n          if (countdownInterval) {\n            clearInterval(countdownInterval);\n          }\n          return;\n        }\n\n        const days = Math.floor(distance \/ (1000 * 60 * 60 * 24));\n        const hours = Math.floor((distance % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n        const minutes = Math.floor((distance % (1000 * 60 * 60)) \/ (1000 * 60));\n        const seconds = Math.floor((distance % (1000 * 60)) \/ 1000);\n\n        if (daysEl) daysEl.textContent = days.toString().padStart(2, \"0\") + \"d\";\n        if (hoursEl) hoursEl.textContent = hours.toString().padStart(2, \"0\") + \"h\";\n        if (minutesEl) minutesEl.textContent = minutes.toString().padStart(2, \"0\") + \"m\";\n        if (secondsEl) secondsEl.textContent = seconds.toString().padStart(2, \"0\") + \"s\";\n      };\n\n      \/\/ Update immediately\n      updateCountdown();\n\n      \/\/ Update every second\n      countdownInterval = setInterval(updateCountdown, 1000);\n\n      \/\/ Store interval ID to clear it later if needed\n      rewardsProduct.dataset.countdownInterval = countdownInterval;\n    }\n\n    const initRewards = (table) => {\n      if (!table) return;\n\n      const recordIdsAttr = table.getAttribute(\"data-table-record-ids\");\n      if (!recordIdsAttr) return;\n\n      let productIds = [];\n      try {\n        const decoded = recordIdsAttr.replace(\/&quot;\/g, '\"');\n        productIds = JSON.parse(decoded);\n      } catch (e) {\n        return;\n      }\n\n      if (!productIds.length) return;\n\n      productIds.forEach((productId) => {\n        \/\/ Handle pill clicks (minimal UX variant) - independent of infobox\n        const pill = table.querySelector(\n          `tr[data-product-id=\"${productId}\"] .rewards-pill`\n        );\n        if (pill && !pill.dataset.bound) {\n          pill.dataset.bound = \"true\";\n          pill.addEventListener(\"click\", () => {\n            const row = pill.closest(\"tr\");\n            if (!row) return;\n\n            const cta = row.querySelector(\".rewards--cta\");\n            if (!cta) return;\n\n            const linkParams = getLinkParams(cta);\n            if (!linkParams) return;\n\n            const pillModalParams = {\n              productId: linkParams.productId,\n              campaignName: row.getAttribute(\"data-rewards-campaign-name\") || \"\",\n              redirectUrl: linkParams.redirectUrl,\n              productName: linkParams.productName,\n              providerName: row.getAttribute(\"data-provider-name\") || \"\",\n              niche: linkParams.niche,\n              offerId: linkParams.offerId,\n              component: \"infobox\",\n            };\n\n            if (\n              window.rewards &&\n              typeof window.rewards.displayModal === \"function\"\n            ) {\n              window.rewards.displayModal(pillModalParams, false, cta);\n            }\n          });\n        }\n\n        const rewardsProduct = table.querySelector(\n          `div[data-rewards-product-id=\"${productId}\"]:not([data-rewards-banner-attached])`\n        );\n        if (!rewardsProduct) return;\n\n        const endDateStr = rewardsProduct.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        \/\/ Format date for Australian locale (dd MMM yyyy)\n        const formattedDate = new Intl.DateTimeFormat(\"en-AU\", {\n          day: \"2-digit\",\n          month: \"short\",\n          year: \"numeric\",\n        }).format(new Date(endDateStr));\n\n        const endDateEl = rewardsProduct.querySelector(\".rewards-end-date\");\n        if (endDateEl && endDateEl.textContent !== formattedDate) {\n          endDateEl.textContent = ` ${formattedDate}`;\n        }\n\n        \/\/ Calculate days remaining\n        const days = Math.ceil((new Date(endDateStr) - new Date()) \/ 86400000);\n\n        \/\/ Show \"Ends Soon\" badge if campaign ends within 7 days\n        if (days <= 7 && days > 0) {\n          const dealsEndsEl = rewardsProduct.querySelector(\".deals-ends\");\n          const dealsPhoneEl = rewardsProduct.querySelector(\".deals-phone\");\n\n          if (dealsEndsEl && dealsEndsEl.style.display !== \"inline-flex\") {\n            dealsEndsEl.style.display = \"inline-flex\";\n          }\n          if (dealsPhoneEl && dealsPhoneEl.style.top !== \"23px\") {\n            dealsPhoneEl.style.top = \"23px\";\n          }\n        }\n\n        \/\/ Initialize countdown timer\n        initCountdownTimer(rewardsProduct, endDateStr);\n\n        const dealsLeftEl = rewardsProduct.querySelector(\".deals-left\");\n        const dealsList = rewardsProduct.querySelector(\".deals-list\");\n        const dealsHeader = rewardsProduct.querySelector(\".deals-header\");\n\n        const handleClick = (triggerEl) => {\n          const row = triggerEl.closest(\"tr\");\n\n          if (!row) return;\n\n          const cta = row.querySelector(\".rewards--cta\");\n\n          if (!cta) return;\n\n          const linkParams = getLinkParams(cta);\n          if (!linkParams) return;\n\n          const { productId, redirectUrl, productName, niche, offerId } = linkParams;\n\n          const modalParams = {\n            productId,\n            campaignName: row.getAttribute(\"data-rewards-campaign-name\") || \"\",\n            redirectUrl,\n            productName,\n            providerName: row.getAttribute(\"data-provider-name\") || \"\",\n            niche,\n            offerId,\n            component: \"infobox\",\n          };\n\n          if (\n            window.rewards &&\n            typeof window.rewards.displayModal === \"function\"\n          ) {\n            window.rewards.displayModal(modalParams, false, cta);\n          }\n        };\n\n        if (dealsLeftEl && !dealsLeftEl.dataset.bound) {\n          dealsLeftEl.dataset.bound = \"true\";\n          dealsLeftEl.addEventListener(\"click\", () => handleClick(dealsLeftEl));\n        }\n\n        if (dealsList && !dealsList.dataset.bound) {\n          dealsList.dataset.bound = \"true\";\n          dealsList.addEventListener(\"click\", () => handleClick(dealsList));\n        }\n\n        if (dealsHeader && !dealsHeader.dataset.bound) {\n          dealsHeader.dataset.bound = \"true\";\n          dealsHeader.addEventListener(\"click\", () => handleClick(dealsHeader));\n        }\n\n        rewardsProduct.dataset.rewardsBannerAttached = \"true\";\n      });\n    };\n\n    const tables = document.querySelectorAll(\n      \"table.rewards--container[data-table-record-ids]\"\n    );\n\n    tables.forEach((table) => {\n      const tableObserver = new MutationObserver(() => {\n        setTimeout(() => initRewards(table), 0);\n      });\n\n      tableObserver.observe(table, {\n        childList: true,\n        subtree: true,\n      });\n\n      initRewards(table);\n    });\n\n    \/\/ Pill countdown timers (minimal UX)\n    function initPillCountdowns() {\n      const countdowns = document.querySelectorAll(\"[data-rewards-pill-countdown]:not([data-pill-countdown-bound])\");\n\n      countdowns.forEach((el) => {\n        el.dataset.pillCountdownBound = \"true\";\n        const endDateStr = el.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        const endTime = new Date(endDateStr).getTime();\n        if (Number.isNaN(endTime)) return;\n        const now = new Date().getTime();\n        const distance = endTime - now;\n        const sevenDaysMs = 7 * 24 * 60 * 60 * 1000;\n\n        if (distance <= 0) {\n          const wrapper = el.closest(\".rewards-pill-wrapper\");\n          if (wrapper) wrapper.style.display = \"none\";\n          return;\n        }\n\n        if (distance > sevenDaysMs) {\n          return;\n        }\n\n        el.removeAttribute(\"hidden\");\n\n        const daysEl = el.querySelector(\"[data-pill-countdown-days]\");\n        const hoursEl = el.querySelector(\"[data-pill-countdown-hours]\");\n        const minutesEl = el.querySelector(\"[data-pill-countdown-minutes]\");\n        const secondsEl = el.querySelector(\"[data-pill-countdown-seconds]\");\n\n        let interval;\n        const updatePillCountdown = () => {\n          if (!el.isConnected) {\n            if (interval) clearInterval(interval);\n            return;\n          }\n\n          const remaining = endTime - new Date().getTime();\n\n          if (remaining <= 0) {\n            if (daysEl) daysEl.textContent = \"0d\";\n            if (hoursEl) hoursEl.textContent = \"0h\";\n            if (minutesEl) minutesEl.textContent = \"0m\";\n            if (secondsEl) secondsEl.textContent = \"0s\";\n            if (interval) clearInterval(interval);\n            \/\/ Hide pill wrapper on expiry\n            const wrapper = el.closest(\".rewards-pill-wrapper\");\n            if (wrapper) wrapper.style.display = \"none\";\n            return;\n          }\n\n          const days = Math.floor(remaining \/ (1000 * 60 * 60 * 24));\n          const hours = Math.floor((remaining % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n          const minutes = Math.floor((remaining % (1000 * 60 * 60)) \/ (1000 * 60));\n          const seconds = Math.floor((remaining % (1000 * 60)) \/ 1000);\n\n          if (daysEl) daysEl.textContent = days + \"d\";\n          if (hoursEl) hoursEl.textContent = hours + \"h\";\n          if (minutesEl) minutesEl.textContent = minutes + \"m\";\n          if (secondsEl) secondsEl.textContent = seconds + \"s\";\n        };\n\n        updatePillCountdown();\n        interval = setInterval(updatePillCountdown, 1000);\n      });\n    }\n\n    initPillCountdowns();\n\n    const allTables = document.querySelectorAll(\"table\");\n    allTables.forEach((table) => {\n      const observer = new MutationObserver(() => {\n        setTimeout(initPillCountdowns, 0);\n      });\n      observer.observe(table, { childList: true, subtree: true });\n    });\n  });\n})();\n<\/script><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer \"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"7\">Load More<\/button><div class=\"js-show-more-data_count-7ad802b7-fc28-4cd1-a817-c5ba89aa421d comparison-table__dataCount\">Showing\n\t\t\t7\n\t\t\tof\n\t\t\t14\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"UKFCR-TLS\" data-rewards-component=\"compare-products\"><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { 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margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Other frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Is Loqbox free?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Loqbox provides its service to you completely free of charge. However, it does ask for something in return. When you \u201cunlock\u201d your Loqbox to get your money back, you will be invited to open a new account or ISA with one of its partner companies to pay your savings into. Loqbox gets paid for this, which is how it\u2019s able to provide its service for free to you. <\/p><p>Alternatively, you can choose to pay \u00a330 to have the money transferred back to an existing account, if you wish. Loqbox calls this version \u201cLoqbox Flexi Unlock\u201d. You can see both versions in our table, below. If you pay for the Full Membership and have made 26 weekly payments, this is \u201cfree\u201d to you.<\/p><p>If you try, but are unable to open an account with any of its partners, Loqbox will pay your savings directly into your existing account for no charge.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What happens when I've paid off my Loqbox?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>When you unlock your Loqbox, you\u2019ll receive back the total amount you have paid in. You\u2019ll be asked to pay this money into a new savings account or ISA from one of Loqbox\u2019s partner banks. Once you have set this up, you can give the new account details to Loqbox and it will transfer your money there to help you continue with your savings.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can't I just unlock my Loqbox savings into an existing account I have?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, but not for free. It\u2019s one of Loqbox\u2019s premium add-ons. If you don\u2019t want to open a new account with one of Loqbox\u2019s partners, you can choose \u201cFlexi Unlock\u201d which, for \u00a330, lets you unlock your savings into your existing account instead.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Can I unlock my Loqbox early?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you can unlock your Loqbox at any time to release your money. Loqbox buys it back from you for the same amount you originally bought it for, less any outstanding balance on your finance agreement. This means you will receive back the exact amount that you have paid in.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">How long does it take to get up and running with Loqbox?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Not long at all. Loqbox claims this can take as little as 3 minutes, but it will more likely take 5-10 minutes.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">What if I can't make a payment one month?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You should get in touch with Loqbox as soon as possible. You\u2019re not going to end up with bailiffs at your door, but if you don\u2019t let them know, missing a payment will in fact damage your credit record.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000003\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000003\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Looking to build your credit score at no cost? Loqbox is an innovative new service designed to do just that.<\/p>\n","protected":false},"author":1231,"featured_media":469597,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2603],"tags":[],"asset_tag":[],"class_list":["post-154187","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Loqbox review 2026 | How it works, pros\/cons &amp; verdict<\/title>\n<meta name=\"description\" content=\"Want to build your credit score without cost? Loqbox could help. We get to grips with this innovative new service to help you decide if it&#039;s right for you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loqbox review\" \/>\n<meta property=\"og:description\" content=\"Want to build your credit score without cost? Loqbox could help. We get to grips with this innovative new service to help you decide if it&#039;s right for you.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2018-12-06T14:51:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/11\/loqbox-new-250.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Emily Herring\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily Herring\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox\"},\"author\":{\"name\":\"Emily Herring\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/4124ff81f216102eb53594e1b4774543\"},\"headline\":\"Loqbox review\",\"datePublished\":\"2018-12-06T14:51:58+00:00\",\"dateModified\":\"2024-12-09T21:06:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox\"},\"wordCount\":2827,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/11\/loqbox-new-250.png\",\"articleSection\":[\"Personal Loans\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"copyrightYear\":\"2018\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Loqbox \u2013 FAQs\",\"url\":\"https:\/\/www.Loqbox.com\/en_gb\/faqs\"},{\"@type\":\"CreativeWork\",\"name\":\"FCA register \u2013 Loqbox listing\",\"url\":\"https:\/\/register.fca.org.uk\/s\/firm?id=001b000000oyiPYAAY\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox\",\"url\":\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox\",\"name\":\"Loqbox review 2026 | How it works, pros\/cons & verdict\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/loqbox#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/11\/loqbox-new-250.png\",\"datePublished\":\"2018-12-06T14:51:58+00:00\",\"dateModified\":\"2024-12-09T21:06:27+00:00\",\"description\":\"Want to build your credit score without cost? 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