-

Graduate loan

We can help you find your feet and give you the breathing space you need once you've completed your education.

Features and benefits

  • Plenty of time to find your feet: choose to borrow from £1,000 – £10,000 over one to five years.
  • You could receive a rate as low as 11.9% APR RepresentativeCloseAPR RepresentativeAPR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. We will tell you the APR for your loan or credit card before you sign an agreement..
  • Flexible repaymentCloseRepaymentWith 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. options, where you can make additional payments or pay off your loan early, free of charge. There's no early settlement adjustmentCloseEarly settlement adjustmentYou can fully or partly repay your loan at any time during the repayment period. If you choose to settle your loan before it’s completed its full term some of our loans may charge an early settlement adjustment. If you have taken out a Flexible Loan you agree to repay the capital plus the interest as it accrues. If you pay off your loan in full before the end of the agreed term, we'll calculate what you owe us at the time which will include capital plus interest accrued but no additional charge. If you’ve taken out any of our other loans, the amount you agree to repay includes interest that is charged to the end of the loan term. If you make an early settlement we'll reduce the charge for credit you have agreed to pay us which means you wouldn’t have to pay all of the interest. This reduction may be adjusted by up to 58 days’ interest - this is the early settlement adjustment. on the Flexible Loan, but there may be on other loans.
  • You have the option to apply for up to two repayment holidays of one month in a rolling 12 month period, subject to approval.

Keep in mind

  • Our graduate loans are only available to Lloyds Bank Graduate Account holders who've had their account for at least one month.
  • How much we lend and the rate available are subject to our assessment of your circumstances.
  • Repayment holidays are available if you meet certain conditions. Interest will be charged if you take a repayment holiday, so you'll pay more interest overall and your original term will be extended.

Our responsibility to you

We’ll never encourage you to borrow more than you can afford. To help you get it right, we have lots of help and guidance.

Important information

How much we lend and the rate available depends on our assessment of your circumstances. The factors we consider when setting a loan rate include your credit repayment historyCloseCredit repayment historyYour history with credit is summarised into your credit rating. Having a long history of paying your loans, bills and credit cards on time means you’ll have a high credit rating. Missing payments or defaulting on loans, borrowing and bills results in a lower score. When you apply for a loan or credit card, the financial institution will look at your credit rating to see how risky the deal would be for them. They use this information to help decide whether to offer you credit, and if so, what kind of interest rate and terms you’ll receive., past account history and other personal details held on our records. Written quotations are available on request; just contact your nearest branch.

Find a branch near you

By phone

For information about graduate loans, call us on

0800 096 1282Call telephone number 0800 096 1282

Lines are open 8am–10pm seven days a week

In branch

Pop into your local branch, and we'll be happy to discuss your exact requirements, give you a personalised quote and help you with your application. We'll usually be able to give you an answer on the same day.

Find your nearest branch

Apply for a graduate loan

To apply for a graduate loan you must be over 18 years old and a UK resident. How much we lend and the rate available are subject to our assessment of your circumstances.

By phone

For information about graduate loans, call us on:

0800 096 1282For more information about graduate loans telephone 0800 096 1282

Lines are open 8am–10pm seven days a week

In branch

Pop into your local branch, and we'll be happy to discuss your exact requirements, give you a personalised quote and help you with your application. We'll usually be able to give you an answer on the same day.

Find your nearest branch