Loqbox and ClearScore Launch Embedded Support for Declined Credit Applicants
The new integration offers people with little or no credit history an immediate path to improve eligibility and financial resilience
Bristol, UK. Wednesday 10th September, 2025: Loqbox, the award-winning credit-building platform, has expanded its partnership with ClearScore to help more users who are declined for credit take steps to improve their financial prospects.
Building on their existing relationship, the partnership now incorporates ClearScore’s recently launched embedded finance proposition, which provides personalised credit offers for credit cards and loans.
Loqbox is now linked to the credit marketplace, so when a user is declined for credit, they are immediately offered an alternative – giving them a practical way to build their credit profile, improve eligibility for future products, and strengthen long-term financial resilience.
The referral enables users to discover and start using Loqbox’s tools at the point they most need support.
Tom Eyre, CEO and Co-Founder of Loqbox, said: “For too many people, a declined application feels like a dead end. This partnership changes that. By providing a clear next step at the very moment it’s needed, we’re giving people practical, proven tools to build their credit score and improve their financial future – even in today’s challenging economic climate.
“Our focus has always been clear communication, education, and user-friendly experiences, underpinned by strong compliance, so people feel confident and supported throughout their journey.”
The launch comes at a time when the cost-of-living crisis is leaving more people excluded from mainstream credit. Rising household costs, higher interest rates, and tighter lending rules mean that even financially responsible individuals may struggle to meet lenders’ affordability checks, making access to credit increasingly challenging.
Tom Markham, UK GM at ClearScore, added: “We have been scaling our data-driven marketplace capabilities, making our platform available via retail and financial partner sites. When someone is declined for a product, they won’t be left without options. Instead, they’ll be guided towards Loqbox as a practical, empowering next step. In this way, we are addressing new FCA expectations around responsible lending and ensuring consumers have every opportunity to find suitable credit options.”
Loqbox has supported almost two million members in building credit and managing their finances, with measurable results across credit scores, access to credit, and potential long-term savings
Credit outcomes:
89% see a credit score increase within three months
85% access credit within six months
Full members see average score increase of 200 points in 12 months
Financial outlook:
Members could gain lifetime savings of up to £50,000 from lower interest rates
Members have four times lower credit card default rates than the market average
Financial wellbeing impact:
80% feel more motivated and in control
Loqbox’s growing impact on consumer financial wellbeing has been recognised with the 2025 SPARKies FinTech Business of the Year and Finder’s Best Credit Building Service 2025 awards.
This new launch builds on Loqbox’s long-standing relationship with ClearScore, established through earlier credit-building initiatives, and lays the groundwork for future developments, including smarter data sharing and performance optimisation.
To find out more, visit https://www.loqbox.com/en-gb/
About Loqbox
Loqbox is the UK’s leading credit-building business based in Bristol. Committed to fostering a healthier relationship with money, Loqbox provides individuals with tools to improve their credit scores, grow savings, and enhance their overall financial situation. For more information, visit www.loqbox.com.
About ClearScore
ClearScore launched in July 2015 to help everyone, no matter their circumstances, achieve greater financial wellbeing. As a credit marketplace, ClearScore combines beautifully designed apps, with powerful, consumer-controlled data, and a cutting-edge technology stack to deliver a high-growth platform that retails financial products. ClearScore has grown rapidly to serve over 24 million users across the UK, South Africa, Australia, Canada, and New Zealand. The Group now partners with over 150 financial institutions around the world to ensure that the right product gets to the right user at the right time.
