Island Personal Loan

Whatever your plan, whether it's improving your home, buying a car or going on a holiday. Our personal loans give you the certainty and flexibility to move forward with confidence.

Features and benefits

Borrow from £1,000 to £25,000

Choose the amount that works for you.

Repay over 1 to 5 years

Pick a term that fits your budget and plans.

Fixed repayments

Your repayments stay the same each month.

No arrangement fee

There are no arrangement fees to pay and no charges for repaying your loan in full.

Why get a loan with Lloyds International?​

  • Borrow from £1,000 to £25,000 and choose a repayment term from 1 to 5 years.​
  • Use your loan for life's big plans, whether that's home improvements, a new car, a wedding or a well-earned holiday.​
  • Fixed monthly repayments, so you'll know exactly how much you'll pay each month.​
  • No arrangement fees, helping to keep the cost of borrowing simple.​
  • No early repayment charges, for paying off your loan in full, giving you more flexibility.​
  • Choose a repayment date that works for you. You can't choose a date between the 29th and 31st until your account has been open for more than 35 days.​
  • We'll check the loan is affordable based on your circumstances before approving your application.​

Available to residents in Jersey, Gurnsey and the Isle of Man aged 18 or over.​

Work out your potential loan repayments

This loan calculator shows an illustrative APR to give you an idea of how much a loan might cost. The interest rate we offer could vary, subject to our assessment of your circumstances.

£

Representative example

You could borrow £10,000 over 48 months with 48 monthly repayments of £246.75. Total amount repayable will be £11,844.00. Representative 8.9% APR.

This representative APR applies to loans of £10,000 to £14,999 over 1 to 5 years. Other terms and loan amounts are available at different rates. The maximum APR is 14.9%.

Next steps

Use our calculator

If you haven't already, use our calculator.

Speak to us

Let's chat about your borrowing needs. Our team is here to help you find the right loan for you.

Get in contact

Receive a decision

Once we’ve reviewed your application, we’ll let you know the outcome and guide you through the next steps.​

Let’s look at the details

  • You can choose a repayment term between 1 and 5 years. Your repayments stay the same each month. 

  • To help us review your application, you will need: 

    • 1 form of ID, such as your passport or driving licence
    • proof of your current address such as a recent utility bill or bank statement
    • proof of income, the last 3 months’ or 4 weeks’ payslips or last 3 years’ tax returns if you are self-employed
    • details of any accounts or credit you have with other providers, if we ask for these. 

    We’ll let you know at your appointment if we need anything else.

  • We can’t guarantee you'll be approved for a loan. Your loan amount, rate and eligibility depend on your circumstances. 

  • You’ll usually get an answer within 48 hours, but for some people it can be sooner.

  • You can call us on 03457 449900. Lines are open 8am to 6pm, 7 days a week and closed on UK bank holidays.

    If you need more help, visit the call us page for more contact numbers and opening times.

    To help keep you and our colleagues secure, and to maintain service quality, we may record and monitor some calls. Call costs may vary depending on your provider.

  • If you’re worried about missing a payment or have already missed one, let us know.​

  • APR stands for annual percentage rate. It helps give you an idea of how much your loan could cost over a year, shown as a percentage. The APR includes the interest rate and standard fees only. The lower the APR, the cheaper it could be for you to borrow. But you should aim to borrow the lowest amount over the shortest possible term, helping to keep your borrowing costs to a minimum.​

    When you apply, we’ll work out your personalised loan rate (APR) using the following criteria.

    • Your application details. Including how much you want to borrow and the time you need to repay it​.
    • Your past account history. Including how you’ve managed any loans, credit cards and other accounts you’ve held with us before.
    • Your credit record. This gives us a breakdown of your credit history, your ability to keep up with repayments and any potential risks we should be aware of​.

  • Loan annual percentage rates

    Fees and charges

    Loan amount

    Term

    % APR

    Find out more

    Loan amount

    £1,000 to £4,999

    Term

    1 to 5 years

    % APR

    14.9%

    Find out more

    Loan amount

    £5,000 to £9,999

    Term

    1 to 5 years

    % APR

    10.6%

    Find out more

    Loan amount

    £10,000 to £14,999

    Term

    1 to 5 years

    % APR

    8.9%

    Find out more

    Loan amount

    £15,000 to £19,999

    Term

    1 to 5 years

    % APR

    7.6%

    Find out more

    Loan amount

    £20,000 to £25,000

    Term

    1 to 5 years

    % APR

    6.4%

    Find out more


    Rates correct as at 7 July 2025.