Help and Guidance for Loans

Used wisely, loans are a powerful financial tool that can help you get what you want out of life.

Support with the cost of living

As living costs rise, keeping on top of your money might be worrying. We can help you manage your payments and provide some useful tips and tools.

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Representative example

You could borrow £10,000 over 48 months with 48 monthly repayments of £235.86. Total amount repayable will be £11,321.28. Representative 6.4% APR, annual interest rate (fixed) 6.22%.


This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years. Other terms and loan amounts are available at different rates. The maximum APR you could be offered is 29.9% APR.

Managing your loan

If you already have a loan with us, we have a range of flexible ways to help you. You can:

  • Make additional payments
  • Pay off your loan early
  • Check your loan transactions
  • Change your details
  • Take a repayment holiday

Understanding credit

Your credit score can affect whether you’re likely to be accepted for a personal loan. Learn more about how credit works and how it might impact applying for a loan.

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).