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 What happens when I’ve made all 12 payments? How long does it take to receive my savings, after I've 'unlocked' my LOQBOX Save? When will my credit score go up? How does ClearScore x LOQBOX work? What should I do if I’m struggling to make repayments?