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Loan calculator

Looking for a personal loan but not sure how much your repayments might be? Use our handy loans calculators to find out.

In the majority of cases we’ll tell you how much you could borrow and if you’re likely to be approved when you get your quote. This wont impact your credit score.

How much we lend and the rate available are subject to our assessment of your circumstances.

Personal Loan calculator

Our Personal Loan calculator will help you gain a better understanding of how much you could borrow and how much your repayments might be. Whilst this calculator will give an indication of monthly payments and APR, you can find out your personalised rate by logging in to Internet Banking.

The rate you're offered may differ from the illustrative APR shown – and will be based on your personal circumstances, the loan amount and the repayment term.

Your loan payment schedule is calculated automatically. Please check section monthly repayments to view this information.

Representative example

You could borrow £10,000 over 48 months with 48 monthly repayments of £225.04. Total amount repayable will be £10,801.92. Representative 3.9% APR, annual interest rate (fixed) 3.83%.

 

This representative APRtooltip close button. Please press escape key to close the tooltipTooltipRepresentative APRThe representative APR is the rate that at least 51% of people are expected to receive when taking out a loan within the stated amount and term range. 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.

£
0.0%
26.7%
24.9%
15.4%
3.9%
6.3%
7.3%

months
1yr
2yr
3yr
4yr
5yr

Representative example

You could borrow £10,000 over 48 months with 48 monthly repayments of £225.04. Total amount repayable will be £10,801.92. Representative 3.9% APR, annual interest rate (fixed) 3.83%.

 

This representative APRtooltip close button. Please press escape key to close the tooltipTooltipRepresentative APRThe representative APR is the rate that at least 51% of people are expected to receive when taking out a loan within the stated amount and term range. 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.

Monthly repayments

£0.0

Total repayable

£0.0

APR illustrative

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Our loan features

  • From £1,000 to £50,000
  • Over 1 to 7 years
  • Make additional payments
  • Fixed repayments
  • Quick, easy and secure

Log on to get a quote  

If you're not registered for Internet Banking you can register now.

Your personal rate will depend on the loan amount and term you request and your personal circumstances. In order to get your personal rate, please log in to Internet Banking or select the “Get your personal quote” option.

Our loans are available to Lloyds Bank current account holders who have had an account for at least one month.

Surprises come in all shapes and sizes. From an unexpected expense to a new opportunity, there are times when you might need quick access to funds. Our Personal Loan could help you get the money you need, when you need it most.

The Personal Loan comes with a variety of options to help meet your needs. You can manage your loan online with Internet Banking, where you can:

  • Make additional payments, pay off your loan early (if you make an early settlement we will charge up to 58 days' interest)
  • Check your transactions and statements
  • Change your details
  • Apply for a repayment holiday (available if you meet certain conditions. Interest will continue to be charged if you take a repayment holiday, so you'll pay more interest overall and your original term will be extended).

Our responsibilities 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

The factors we consider when setting your Personal Loan rate include:

  • Your credit repayment history
  • Past account history
  • Other personal details held on our records.

View an example of our Personal Loan Agreement (PDF).

Ways to apply for the Personal Loan

To apply for the Personal 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.

Apply online

Log on to Internet Banking to get a personalised quote. It takes around one minute, and in the majority of cases we'll tell you how much you can borrow and if you're likely to be approved before you apply. This wont impact your credit scoreCloseCredit scoreYour history with credit is summarised into your credit score. Having a long history of paying your loans, bills and credit cards on time means you’re more likely to have a high credit score. Missing payments or defaulting on loans, borrowing and bills is likely to result in a lower score. When you apply for a loan or credit card, the financial institution will look at your credit score 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..

If you then apply for a loan, we could give you a decision in around five minutes.

Log on to get a quote

Not registered for Internet Banking yet? Register now

Apply over the phone

If you hold a Lloyds Bank Current Account, call us on 0330 123 3890.

If you have a credit card, mortgage or existing loan with us, call us on 0330 123 4715.

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

Apply in branch

Your local branch will be happy to help you apply for our Loan. We'll usually be able to give you an answer and transfer the money into your account the same day.

Find your nearest branch