A loan could help you with anything from debt consolidation to buying a new car, and we could put the money in your account immediately.*

How much we lend and the rate available are subject to our assessment of your circumstances. You must be 18 years of age or over and a UK resident. You must have had a Lloyds Bank Current Account for more than three months.

Use our loan calculator

To find out what your monthly payments might be, you can use our loans calculator.

Flexible Loan, our new personal loan

Flexible Loan

We'll never encourage you to borrow more than you can afford. We have lots of advice and guidance to help you get it right.

  • Manage your money with a wide range of borrowing options – choose to borrow between £1,000 – £25,000 over 1-7 years
  • Instant money in your account*
  • A personalised quote with no credit footprint
  • Flexible repayment options
  • Make additional payments
  • No charge to pay off your loan early**
14.9% APR representative.

Can be used for

Our personal loans can help you reach your goals and manage your money. You can use them for most purposes, including:

  • Buying a new car
    Looking to buy your first car, upgrade to a newer or bigger model or buy the classic car of your dreams?
    Find out more about loans for buying a car.
  • Home improvements
    Thinking about improving your home? We could help with anything from a new kitchen to a loft extension.
    Find out about loans for home improvement.
  • Debt consolidation
    Consolidating your debts could make your finances more manageable.
    Find out about loans for debt consolidation.


Graduate loans

Get help when you're just starting out with a graduate loan of between £1,000 and £10,000. Find out more.

Borrow more

Need to borrow more?

Have some new plans and need extra funds? If you already have a Lloyds Bank loan, you may be able to borrow more. You could use the extra money to:

  • Make home improvements
  • Reorganise your finances
  • Buy a new car

Additional borrowing from £1,000 to £25,000

When you borrow more, you get the same flexibility and simple money management you enjoy with your current loan:

  • Instant online decisions
  • Combine loans or keep them separate
  • Flexible repayment options, including repayment holidays***

Apply today

You can apply online through Internet Banking if you have held a Lloyds Current Account for more than three months and get a decision instantly. You can also visit a branch or call us on 0800 096 1282 to discuss a new loan.

Internet Banking

Users registered with Internet Banking can get started now with a personalised quote.

Log on and apply to borrow more online now (opens in a new browser window)

Not registered for Internet Banking

Your loan application will take about ten minutes and is totally secure.

Manage your loan

Find out more about managing your loan.

Manage your loan online with Internet Banking

Whether you just want to view your transactions or close your loan early.

Not registered for Internet Banking?

It should only take a few minutes to register and you should be able to log on as soon as you've finished. Register now.

Having problems meeting your monthly loan repayment?

If you have temporary or longer term financial difficulties which mean that you are unable to make your normal monthly loan repayment then it’s always better to let us know as we will do everything we can to help.

Please call us on 0800 389 8766 (8am to 9pm, Mon to Fri and 9am to 5pm, Sat) or visit any Lloyds Bank branch.

Next steps:

Get a personalised quote

Find your personal rate by getting a personalised quote in minutes with no credit footprint.

Not registered for Internet Banking

    Apply now

    You can apply online through Internet Banking if you have held a Lloyds Current Account for more than three months.

    Internet Banking users

    Get a decision in just minutes. If approved, you could have the money in your account instantly.*

      Not registered for Internet Banking

      Your application will take about 10 minutes to complete and is totally secure.


        * If you are applying online, the funds will be transferred to your bank account immediately between the hours of 9:00am and 8:30pm, or before 9am the following day outside these times.

        ** There is no Early Settlement Adjustment made on our Flexible Loan. However an Early Settlement Adjustment may be made on our other Loan products. Please see Managing Your Loan for more details.

        For more information or to settle your loan simply call us on 0800 096 1282 (option 4). Lines are open between 8am and 10pm, seven days a week.

        *** Repayment holidays are available if you meet certain conditions. Interest will be charged if you take a repayment holiday, so you will pay more interest overall and your original term will be extended.