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You can apply online for a Lloyds Bank loan if you've held a Lloyds Bank current account for at least three months, you're over 18, and you're a UK resident. How much we lend and the rate available are subject to our assessment of your circumstances.

Loan Calculator

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Flexible Loan

  • Wide range of borrowing options: choose to borrow £1,000 – £25,000 over one to seven years.
  • If you borrow £7,500 – £25,000 over one to five years, you could receive a rate as low as 4.5% APR RepresentativeCloseAPRAPR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. We will tell you the APR for your loan or credit card before you sign an agreement.Glossary.
  • Flexible repaymentCloseRepaymentWith a loan, we give you a sum of money up front and each month after that you pay back some of what you owe. That monthly sum is called your repayment. With our personal loans, your repayments are fixed. That means you’ll owe the same amount each month for the entire life of your loan.Glossary options, where you can make additional payments or pay off your loan early, free of charge. There's no early settlement adjustmentCloseEarly settlement adjustmentYou can fully or partly repay your loan at any time during the repayment period. If you choose to settle your loan before it’s completed its full term some of our loans may charge an early settlement adjustment. If you have taken out a Flexible Loan you agree to repay the capital plus the interest as it accrues. If you pay off your loan in full before the end of the agreed term, we'll calculate what you owe us at the time which will include capital plus interest accrued but no additional charge. If you’ve taken out any of our other loans, the amount you agree to repay includes interest that is charged to the end of the loan term. If you make an early settlement we'll reduce the charge for credit you have agreed to pay us which means you wouldn’t have to pay all of the interest. This reduction may be adjusted by up to 58 days’ interest - this is the early settlement adjustment.Glossary on the Flexible Loan, but there may be on other loans.
  • Instant money in your account. Apply online to have funds immediately transferred to your bank account between 9am–8:30pm, or before 9am the following day.
  • Get a personalised quote with no credit footprintCloseCredit footprintYour history with credit is summarised into your credit rating. Having a long history of paying your loans, bills and credit cards on time means you’ll have a high credit rating. Missing payments or defaulting on loans, borrowing and bills results in a lower score. When you apply for a loan or credit card, the financial institution will look at your credit rating to see how risky the deal would be for them. They use this information to help decide whether to offer you credit, and if so, what kind of interest rate and terms you’ll receive.Glossary.

Find out more about the 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.

Find out more about whether a Flexible Loan could help with:

Buying a car

Home improvement

Debt consolidation

Other loans

Graduate loan

Club Lloyds customers

For Club Lloyds customers who have held a Club Lloyds current account for more than a year, a 0.5% discount will be applied at the start of the loan.

Find out more

Need to borrow more money?

  • If you already have a Lloyds Bank loan, you may be able to borrow more from us.
  • Apply for a separate loan or combine your existing loan with a new loan
  • If you additionally borrow £7,500 or more over one to five years, you could receive a rate as low as 4.5% APR RepresentativeCloseAPRAPR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. We will tell you the APR for your loan or credit card before you sign an agreement.Glossary.
  • If you choose to combine your existing and new borrowing, you can take out at least an extra £1,000. The total of your new and existing loan can be a maximum of £25,000.

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.

Additional borrowing from Lloyds Bank

Find out about borrowing more

We can help you manage your loan

If you’re registered for Internet Banking, you can view transactions or pay off your loan early.

Log on

It only takes a few minutes to register for Internet Banking, and you can log on as soon as you’re finished.

Register for Internet BankingRegister for Internet Banking

Having problems meeting your repayments?

If you’re having temporary or long-term financial difficulties and paying off your loan is a struggle, it’s always better to let us know, as we’ll do everything we can to help. Call us on

0800 389 8766

8am - 9pm Mon - Fri, 9am - 5pm Sat

Or pop into any of our branches.

If you already have a loan with us, we have a range of options and tools to help you manage it.

Make additional payments

Pay off your loan early

Check your transactions

Change your details

Take a repayment holiday

Find out more about managing your loan

Defaqto rating

defaqto 2016

Our Defaqto five star rated Flexible Loan provides one of the highest quality offerings in the market.

Defaqto is an independent researcher of financial products.

Financial Services Compensation Scheme


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Important legal information

Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at www.fca.org.ukVisit the Financial Conduct Authority website. Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.ukVisit the Lending Standards Board website.

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.