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 August 17, 2026. We may earn a commission when you click through.

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Good flexibility with free overpayments and no fees. Competitive rates on mid-range amounts but can get expensive for small loans.

Personal

Lloyds Bank Personal Loan

Lloyds Bank

Updated 1 hour ago
3.9–24.9%

Representative APR

Amount £1k–£50k
Term 12–60 months
Decision ⚡ Minutes
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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.

Loan Details

Loan Amount £1k–£50k
Term Length 12–60 months

Requirements

  • UK resident
  • 18+
  • Regular income

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Similar Options

Tesco Bank Personal Loans

6.0% APR

NatWest Personal Loan

5.5% APR ⚡ Minutes

Post Office Personal Loan

5.6% APR ⚡ Same day

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