Can I access the loan to spend it? Your LOQBOX is not a traditional loan, the loan involved in LOQBOX is to finance your LOQBOX, so you won't receive any credit to spend. You’ll be able to access your savings once you’ve 'unlocked' your LOQBOX, at the end of the 12 months. Related articles What happens when I’ve made all 12 payments? How long does it take to receive my savings, after I've 'unlocked' my LOQBOX? When will my credit score go up? How does ClearScore x LOQBOX work? What should I do if I’m struggling to make repayments?