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Credit card eligibility checker
Answer a few simple questions to see if you’re eligible for a Lloyds credit card.
Why take an eligibility check?
An eligibility check could help to focus your search for a new credit card.
- See your estimated credit limit up front.
- See all credit cards you’re eligible to apply for.
- With no impact to your credit score and no obligation to apply.
Simply answer a few questions and let us know how much credit you’d find useful. It takes a few minutes to complete.
Credit is available subject to status.
How this eligibility checker works
Using the details you give, we’ll complete a ‘soft’ credit check. This gives us an overview of your financial history, which we use to assess your credit card eligibility.
After that, browse the list of credit cards you’re able to apply for. There’s no obligation, but if you find a credit card offer you like, you can proceed with a full application.
Can I apply for a credit card?
Application basics
To qualify, you need to:
- be a UK resident
- be aged 18 or over
- have a regular income.
You should know
You won’t qualify if you:
- are unemployed or a student
- have bankruptcies on your credit file
- have County Court Judgements (CCJs)
- have Individual Voluntary Agreements (IVAs)
- have been declined for a Lloyds credit card within the last 30 days.
To complete an eligibility check, you’ll need to provide:
- address details for the last 3 years
- your bank account number and sort code
- your employment status and annual income
- details about your regular financial commitments.
What happens after the eligibility check?
If you like one of the credit cards shown in your eligibility check results, and you’re happy with the estimated credit limit, you can go on to apply.
For your convenience, we’ll carry over the information you’ve already provided. You’ll need to answer some further questions and accept the account terms and conditions.
Just be aware, if you submit a full credit application, at that point we’ll complete a ‘hard’ credit check. This will be noted on your credit file and may impact your credit score.
Protecting your information
Our online eligibility and application forms are secure. Refer to our privacy policy to learn how we use and store your information.
To keep your details safe, after a period of inactivity our forms will automatically clear. Set aside the time you need to complete the forms, and carefully consider your credit options.
Know your credit score
If you use online banking or our app, you can access the ‘Your Credit Score’ service. Check your TransUnion credit score and credit report for free, with no impact on your credit file.
Ready to check your eligibility?
Answer a few simple questions to see the Lloyds credit cards you’re eligible to apply for, along with your estimated credit limit.
Our eligibility check won’t affect your credit score, and there’s no obligation to apply.
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