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.*

Our loans are only available to Lloyds Bank current account holders who have had their account more than 3 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**

12.0% APR representative.

Loyalty discount

1% discount for loyal customers on loans from £7,500 to £25,000 over 1-5 years. 6.4 % APR representative. Find out more.

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

Apply online through Internet Banking 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.

Not registered for Internet Banking

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

Manage your loan

Paying your loan off early

You can repay your loan in full or in part at any time.**

  • Make additional payments.
  • Pay your loan off in full.
  • Get an early settlement quote.

Changing your repayment date

If your circumstances have changed and you need to alter the repayment date of your existing loan then please call us on 0800 096 1282 (option 6) to discuss.

Repayment holidays

You can request a repayment holiday.

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

    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.


        * The funds will be transferred to your bank account immediately between the hours of 9:00am and 8:30pm, or before 9am the following 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.