Rating based on 34 reviews


Personal Loans offered by Lloyds Bank

image of Lloyds Bank
image of Lloyds Bank

About Lloyds Bank

Our bank first opened its doors on the 3rd of June 1765 and has helped serve countless individuals and businesses for over 250 years.

Our services include savings accounts, mortgages, personal loans and credit cards. A personal loan is a loan that can be used to put you back in control of your finances. When you need quick access to funding we can help you get the money that you need in a matter of minutes.

Instant online decisions

Apply for an online personal loan via our website and receive an outcome in an instant. The system will verify your details which allow us to make an instant decision so you don’t need to wait around.

There is no need to complete mountains of paperwork or run around town searching for a loan. When you apply for one of our online personal loans we will send you a quote that has no credit footprint.

Pay back your loan on your terms

Design your loan terms to suit your personal budget, decide how much you would like to borrow and then use our online calculator to determine how long you will need in order to pay it back. Don’t wait around for hours; we will give you an instant online decision.

Take a holiday from your payments 

To make paying your online personal loan back even easier, you can apply for up to 2 repayment holidays a year. This allows you to take a break in between payments so that you can budget better and have more control over your finances.  Our payouts are instant; as soon as your instant loan application has been approved the money will be paid into your bank account.

What Lloyds Bank can offer you

Our bank is proud to offer you a wide range of products and services that cover all your financial needs.

Current accounts, credit cards, mortgages, loans, vehicle financing and more at your fingertips, if you need travel services or insurance then you are welcome to apply via our website.

Start saving today

Having enough money put away for a rainy day starts with a saving account. Our aim is to help you start saving.

When you chose one of our ISA’s (Individual Savings Accounts) you can save up to £20,000 a year in taxes. The different types of ISAs include cash ISAs, stocks and shares ISAs, innovate ISAs and lifetime ISA’s.

Put your plans into action with one of our personal loans

Our personal loans allow you to borrow £7,500 - £25,000 over a 1 to 5 year period depending on your loan agreement. This option comes with a low APR rate of only 3.9%

If you are already an existing client and have a credit card or mortgage with us then you can simply give us a call and apply over the telephone.

Our system will help determine how much you can easily repay on your loan and we will never lend you more than that amount.

Our online loans come with very flexible repayments and can be repaid by a debit order that is set up on your account to run monthly. This will help make sure that you stay on top of your loan and don’t incur any late fees.


Interest Rate

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Here’s a short video about Lloyds Bank


In a Nutshell

  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment


Lloyds Bank has a quick and easy personal loan process

Consider applying for one of our personal loans to help you through a difficult financial time or help you purchase a large expense.

Benefits of our online personal loans include:

  • Online quick cash loans between £1,000 to £50,000
  • Repayment terms of up to 7 years
  • Make additional repayments anytime
  • Pay a ret repayment fee
  • Online loans are quick, simple and secure

Borrow more money when you need to

If you have previously applied for one of our online personal loans and you require additional money, you can apply to borrow more. There are a number of different ways to do so. You can choose between applying for a loan or you can combine the two loans into one, so that you only need to worry about one simple repayment.

You can borrow between £7,500 and £25,000 over 5 years on your additional online personal loan with a low APR rate of only 3.9%.

Using an overdraft facility

An overdraft facility is a type of short term loan that is available through the existing account that gives you access to additional money when your bank account has been depleted. This overdraft facility will allow you to make purchases, pay for expenses between pay dates and pay for unforeseen emergencies.

This facility gives clients access to an additional £5,000 on a revolving basis.

Using your credit card to get ahead

If you are struggling to make ends meet when applying for one of our online credit cards will help you cover expenses on your day to day spending. If you want to make a large purchase you can do so using a credit card. Apply for one of our online credit cards to access up to £12,000


Eligibility & Requirements

  •  18 years or older
  •  UK resident
  •  Employed full-time
  •  Self-employed
  •  Credit check
  •  Active UK bank account
  •  Photo ID
  •  Recent pay slips
  •  Bank statements
  •  Proof of address
  •  30 day bank statements
  •  Valid identity document
  •  Security valuation appraisal (proof of insurance)
  •  Utility bill or other (proof of address)
  •  Bank statements or payslips (proof of income)
  •  Personal reference

Other Products & Services

  • PERSONAL Loans
  • SHORT-TERM Loan
  • BAD Credit Loans
  • BANKING

Customer Reviews & Testimonials

Sometimes life happens and you just cannot control your expenses when emergencies pile up, thankfully Lloyds Bank allows for repayment holidays on your loan. How incredible is that?

Lee B
— Manchester —

Lloyds has been fantastic in helping me secure a personal loan. Their low-interest rate and flexible repayment terms really help tailor a loan for anyone's needs.

Kirstie N
— Bath —

The online application was helpful and I was pleasantly surprised when I received my decision online as well. The money was transferred to my account shortly after.

Godwin H
— York —

 Opening hours


  • Monday 08:00 – 19:00
  • Tuesday 08:00 – 19:00
  • Wednesday 08:00 – 19:00
  • Thursday 08:00 – 19:00
  • Friday 08:00 – 19:00
  • Saturday 09:00 – 17:00
  • Sunday 11:00 – 17:00

 Get in contact


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