Can I access the loan to spend it? Your LOQBOX Save is not a traditional loan. It's used to finance your LOQBOX Save, so you won't receive any credit to spend. You’ll be able to access your savings once you’ve 'unlocked' your LOQBOX Save, at the end of the 12 months. Related articles How do I close my LOQBOX Save? How does ClearScore x LOQBOX work? When will my credit score go up? Will 'unlocking' my LOQBOX Save early have a negative impact on my credit score? What happens when I’ve made all 12 payments?