Lloyds Bank Personal Loan
Lloyds offers personal loans with no arrangement fees and the ability to make overpayments without penalty. Existing customers benefit from an online-only application process.
Last checked on July 17, 2026. We may earn a commission when you click through.
Good flexibility with free overpayments and no fees. Competitive rates on mid-range amounts but can get expensive for small loans.
Lloyds Bank Personal Loan
Updated 9 hours agoAt a Glance
Representative APR
3.9–24.9%
Loan Amount
£1,000–£50,000
Term
12–60 mo
Decision
Minutes
Eligibility Requirements
Our Verdict
Good flexibility with free overpayments and no fees. Competitive rates on mid-range amounts but can get expensive for small loans.
Best For
Borrowers who want flexibility to overpay and potentially clear the loan early.
Watch Out
The APR jumps significantly for loans under £5,000. Always check your personal rate before committing.
You'll be redirected to lloydsbank.com
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
You might also like
TSB Personal Loan
PersonalAPR
5.9–24.9%
Amount
£1k–£25k
Term
12–60mo
18+
UK resident
Nationwide Personal Loan
PersonalAPR
5.5–19.9%
Amount
£1k–£25k
Term
12–60mo
UK resident
18+
Sainsbury's Bank Personal Loans
PersonalAPR
5.7–19.9%
Amount
£1k–£40k
Term
12–60mo
No specific requirements listed
HSBC Personal Loan
PersonalAPR
3.9–21.9%
Amount
£1k–£25k
Term
12–60mo
UK resident
18+
Admiral Personal Loan
PersonalAPR
7.9–45.9%
Amount
£1k–£25k
Term
12–60mo
18+
UK resident
Everyday Loans for Imperfect Credit
PersonalAPR
39.9–299.8%
Amount
£1k–£15k
Term
18–60mo
No specific requirements listed