To apply for a loan, you must be: age 18 or over, a UK resident (except for the Channel Islands and the Isle of Man), and hold a Lloyds Bank Current Account (min 1 month). Lending and rates depend on our assessment of your personal circumstances.

Dreaming of getting away from it all?

Whether you're planning the trip of a lifetime or just want to getaway from it all, a holiday loan could help.

A holiday loan is a personal loan that you can use to pay for your holiday or travel plans. It could help spread the cost for things like flights and accommodation.

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What are the benefits of a holiday loan?

What are the benefits of a holiday loan?

With a holiday loan you could:

  • borrow between £1,000 and £50,000 over 1-7 years.
  • 6.4% APR Representative on loans between £7,500 - £25,000 over 1 to 5 years.
  • spread the cost of your holiday and pay it off in monthly instalments.
  • cover most or all of your costs in one go.
  • other amounts and terms are available at different rates.
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Get a quote before you apply

Get a clear view of the borrowing costs up front.

You'll see:

  • your personalised interest rate and your monthly repayments.
  • how likely to be approved for a loan you'll be.
  • the total cost of the loan.

Getting a quote won't affect your credit score.

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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 is 29.9% APR.

Offering you flexibility

Once your loan is approved, the money could be in your account the same day, 9am-8.30pm, or before 9am the next day.

Repayment holidays -
you can apply for up to two repayment holidays of 1 month in a rolling 12 month period. Approval for a repayment holiday will depend on an assessment of your personal circumstances.

Make over payments with no extra charge. 

Pay off your loan early if you want. Just be aware, we could charge up to 58 days' interest for early settlement, but you are still likely to save on interest repayment overall.

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Frequently asked questions about loans

  • Our loan calculator helps you work out how much you could afford to borrow and what your monthly repayments could be.

    Tell us how much you would like to borrow and how long you’d like to repay it. You’ll see an example of how much your monthly repayments could be. The total amount repayable based on an illustrative APR.

    Changing the amount you want to borrow and the term of the loan will automatically change the example repayments and illustrative APR shown by the calculator.

    Please note: when you apply your APR will be based on your personal circumstances.

  • When you apply, there are several factors we take into account when we work out your personalised loan rate (APR). These include:

    • your credit repayment history.
    • your past account history.
    • how much you want to borrow.
    • how long you want to repay the loan over.
    • other personal details held on our records.
  • Before you apply for a loan, you can get a personalised quote. We’ll tell you how much you could borrow, and how likely to be approved you’ll be, before you apply. This quote won’t affect your credit score.

    When you apply for a loan with us, we will conduct a credit check. This helps us understand whether you are able to pay the loan back. We’ll add the credit check to your credit history report and may affect your credit score. 

    The impact on your credit score will depend on your past credit history and current personal circumstances. 

    If you have applied for credit several times within a short space of time, this may have a negative effect on your score. Missing repayments may also have negative impact on your credit score.

    Learn more about credit scores.

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).

Calls may be monitored or recorded to help us improve our quality of service.