One Check - our credit card eligibility checker

If you’re looking for a new credit card, One Check makes your options clear.

Check your eligibility in a few minutes

An eligibility check can help you to focus your search for a new credit card.

You'll see:

  • all the cards we're likely to approve you for
  • what your interest rate would be
  • your estimated credit limit.
Check now

How does One Check protect your credit score?

  • Checking your eligibility doesn't affect your credit score.
  • We won’t show you cards that we’re unlikely to approve you for.
  • Other lenders can’t see the check on your credit file.

Find out more about One Check

We want to make choosing a Lloyds Bank credit card even easier. That’s why we’ve created One Check - our simple credit card eligibility checker that doesn’t confuse you with lots of numbers and jargon.

Watch our video to find out how easy it is to use One Check.

One Check eligibility tool

  • Let us help you choose a credit card that's right for you.

    One Check is our credit card eligibility tool that shows you the cards you're eligible for before applying for them.

    You'll be able to see which rates and offers you can choose from and your estimated credit limit straight away.

    Complicated? No. It’s really easy and it only takes 5 minutes. Just answer a few questions online and let us know how much credit you’d find useful. We'll do the rest, and don't worry your credit rating won't be affected and there's no obligation to apply for a credit card afterwards. One Check will give you an instant decision.

    Check your eligibility now.

All you need to do is fill in a simple form with some basic information.


You'll also need:
 
  • Bank sort code and account number
  • Address from the last 3 years
  • Annual income
  • Employment status
  • Spending commitments

 

If you have this information to hand the form will only take a few minutes to complete.

You can apply for a Lloyds Bank credit card if:

  • You are a UK resident, aged 18 or over, with a regular annual income.
  • You are free of County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies.
  • You are not unemployed or a student.
  • You have not been declined for a Lloyds Bank credit card within the last 30 days.

  • Once you complete the form, One Check will process your details in the form of a soft search. A soft search provides us with an overview of your financial history, which we use to work out your credit card eligibility. The soft search is quick to complete and won’t affect your credit score.

    • We’ll show you which Lloyds Bank credit cards you’re eligible to apply for and what credit limit we could offer you.
    • If you then choose to continue with a full credit card application, we’ll carry over all of the information you have already given us.
    • The application process is secure. Our privacy policy sets out how we use and store your information.
    • To keep your details safe, we’ll clear the form after a period of inactivity.

Check your eligibility

Find out if you'll be accepted for a Lloyds credit card before you apply. Your credit score won't be impacted.

Check now