Manage your loan

If you already have a loan with us, we've a range of flexible ways to help you. If your needs have changed, we're here to help.

What can we help you with?

  • If you are struggling with your finances, or worried about the increased cost of living, you are not alone. We are here to help you get back on track

  • Making additional payments to your loan can reduce the overall interest you’ll pay and may reduce your loan term.

    If you make additional payments to your loan you must continue to pay your monthly repaymentsMonthly repaymentsWith 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.. Our calculator can help by showing you how.

    Please note, making an additional payment will not take the place of your monthly repayment. We will still take your Direct Debit as planned on your usual payment date.

    You can make additional payments by:

    • logging on to Internet Banking and selecting your loan from the account overview page
    • calling us on 0330 123 3890 (Mon–Sun 8am–10pm)
    • visiting your local branch
    • paying from a current account, in the same way you pay a bill or a person. Please use these payment details:

      Account number: 90000468
      Sort code: 77-77-90
      Reference number: this is your 12 digit loan account number - you can find this on your Internet Banking or any letters about your loan you've received from us.

  • Pay off and close your loan

    You can choose to pay off your remaining balance from a Lloyds Bank current or savings account with Internet Banking.

    Make sure you're paying the right amount, including any loan interest. To find out how much you should pay, please ask us for an early settlement quote.

    You can pay off your loan by:

    • Logging on to Internet Banking and selecting your loan from the account overview page
    • calling us on 0330 123 3890 (Mon–Sun 8am–10pm)
    • visiting your local branch
    • paying from a current account, in the same way you pay a bill or a person. Please use these payment details:

      Account number: 90000468
      Sort code: 77-77-90
      Reference number: this is your 12 digit loan account number - you can find this on your Internet Banking or any letters about your loan you've received from us.

    Early settlement quote

    Keep in mind there's no early settlement adjustmentThere is no early settlement adjustment if you want to pay off your Flexible Loan in full, before the end of the agreed term. But, if you make an early settlement on any other type of loan, like a Personal Loan, the remaining charge for credit will be reduced, so you don't have to pay all the interest. However, you may be charged an early settlement adjustment of up to 58 days' interest. on an existing Flexible Loan but there is on the Personal Loan.

    You can request an early settlement quote by:

    Important information when paying off your loan early

    Depending upon the type of loan you have with us, if you repay your loan in full we will make an early settlement adjustment of up to 58 days' interest.

    This adjustment of interest won't be made if your loan has less than 90 days to run to its original maturity date.

  • A repayment holiday gives you a one-month break from your loan repaymentsRepaymentsWith 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..

    You have the option to apply for up to two repayment holidays of one month in a rolling 12 month period, subject to approval.

    Interest will be charged if you take a repayment holiday, so you'll pay more interest overall and your original term will be extended.

    We'll advise you of the additional interest before we finalise your repayment holiday. Our calculator can show you before you apply.

    You need to inform us at least five working days before your next loan repayment is due for this to be applied to your next payment.

    You can request a repayment holiday at any time, providing you:

    • have made at least one repayment, and have a Direct Debit in place
    • are up-to-date with your loan repayments
    • have 30 days or more remaining on your loan term

    You can request a repayment holiday by:

  • If your circumstances have changed, you can alter the repayment date of your existing loan. Repayment dates cannot be accepted for the 29th, 30th and 31st of the month. You can also change the account from which your loan repayments are made.

    You can change the repayment date of your loan, or the account which it is paid from, by:

    If you want to restart your direct debit online, you can reinstate it here.
     

  • If you already have a Lloyds Bank loan, you may be able to borrow more.

    You can do this by either replacing your current loan - combining your existing loan with the new borrowing, or you can take out a separate loan.

    See Borrowing more for further details.

  • If you have an existing loan account with us, please tell us of any changes to your address, name or contact details.

    Moving abroad

    You must be resident in the UK (excluding the Channel Islands and the Isle of Man) to be eligible for a Lloyds Bank Personal Loan.

    If you have a loan account with us but move outside the UK in the future, you must let us know as it may affect your ability to hold the account or the services we can provide. We will contact you if we have to close your loan account.

    Lloyds Bank is part of Lloyds Banking Group. If you have products with other companies within the Group, moving outside the UK may also affect whether you can continue to hold those.
     

Having problems repaying your loan?

If you're having financial difficulties and are unable to make your normal monthly loan repayment, it's always better to let us know. We’re here to listen and help, without any judgement. Picking up the phone alone won’t affect your credit score.

Please call us on 0808 145 0411 (Mon-Fri 8am-8pm, Sat 8am-5pm) or visit any Lloyds Bank branch

We are sorry this line is closed for essential system maintenance today. We will re-open as usual on Monday, please be aware that lines may be busier than normal.

Ask for a repayment holiday

Ways to manage your loan

Log on

Call or come and see us

Call us - 0330 123 3890

Lines are open Mon - Fri 8am - 8pm & Sat - Sun 9am - 6pm.

In branch - pop into your local branch and we'll be happy to help. 

Find your nearest branch

 

What can I do?

Some of the things you can do include:

  • Check your loan transactions
  • Make additional payments 
  • Get an early settlement quote
  • Request a repayment holiday

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Important legal information

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

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).