Our loans are exclusive to Lloyds TSB Current Account holders who have had their account for more than three months. |
We'll never encourage you to borrow more than you can afford. We have lots of advice and guidance to help you get it right.
Logon to Internet Banking
If you're registered for Internet Banking you can logon and get a personalised quote in seconds which won't leave a credit footprint.
Not Registered for Internet Banking?
Your loan application will take about ten minutes and is totally secure.
8.9% representative example on loans between £7,500 and £25,000.
Logon to Internet Banking
If you're registered for Internet Banking you can logon and get a personalised quote in seconds which won't leave a credit footprint.
Not Registered for Internet Banking?
Your loan application will take about ten minutes and is totally secure.
Who can apply for a loan?
How soon will I receive my money?
How long can I take to repay the loan?
Do you charge arrangement fees?
What are the interest rates on your loans?
How much can I borrow?
Can I apply for a loan even if I'm not a Lloyds TSB customer?
I applied online for a loan - what's happening to my application?
My loan application has been referred – what happens next?
Can I get a loan if I have a bad credit history?
Can I get a loan if I am currently unemployed?
What will the monthly repayment be on my loan?
Can I take out a loan in joint names?
How much will a loan cost me?
How can I see details of my loan?
How do I withdraw from my loan?
Who can apply for a personal loan?
As long as you are a Lloyds TSB Current Account holder who has had their account for more than three months you can apply for a personal loan and get an instant decision by applying online.
How soon will I receive my money?
If you apply for your loan online you can get your loan instantly. The funds will be transferred to your bank account immediately between the hours of 9:00am and 8:30pm, or before 9am the following day outside these times. Once you have opened your loan using QuickSign, you'll be able to see it on the Account Overview screen the next time you log on to Internet Banking. A paperless Direct Debit will be set up for your monthly payments shown above and you will not need to sign and return any paper documents.
How long can I take to repay the loan?
We provide personal loans for a term of between 1 and 7 years.
Do you charge arrangement fees?
No
What are the interest rates on your loans?
The interest rate of your loan is personal to you and will depend upon a number of factors including the amount borrowed, the term of the loan and your personal circumstances. To find out how much a loan will cost use the loan calculator that is part of the application process. This puts you under no obligation to proceed with the loan but will enable you to see how much you can borrow and what it may cost.
How much can I borrow?
The amount that you can borrow with a personal loan will depend upon your personal circumstances, however we provide unsecured loans from £1000 up to £25,000 for a term of between 1 and 7 years. We can also offer secured loans for amounts over £25,000.
Can I apply for a loan even if I’m not a Lloyds TSB customer?
Unfortunately our personal loans are only available to Lloyds TSB Current Account holders who have had their account for more than three months.
I applied online for a loan - what's happening to my application?
For information about your loan application, please call us on 0800 056 0140. This number is available from 6am - 11pm Monday to Fridays, from 8am - 5pm on Saturdays and from 9am - 5pm on Sundays.
My loan application has been referred – what happens next?
Before we can give you a decision, there are a few things we need to discuss with you. Contact one of our Loan Advisers on
0845 070 3012 and we should be able to let you know within 10 minutes. Make sure you have your account details to hand.
(Lines open 7am till 10pm Monday to Friday, 8am till 6pm at weekends. Calls may be recorded).
Can I get a loan if I have a bad credit history?
All customers that meet the eligibility criteria are entitled to apply for a LTSB loan. Lloyds TSB completes a credit search for each new application made to enable us to give a credit decision.
Can I get a loan if I am currently unemployed?
Unfortunately Personal Loans are not available to unemployed customers.
What will the monthly repayment be on my loan?
The monthly repayment cost of a loan will depend upon the amount borrowed, the term of the loan and your personal circumstances. To find out how much a loan will cost use the loan calculator that is part of the application process. This puts you under no obligation to proceed with the loan but will enable you to see how much you can borrow and what it may cost.
Can I take out a loan in joint names?
Applications for joint loans will be considered and will be based on the circumstances of both applicants.
How much will a loan cost me?
The monthly repayment cost of a loan will depend upon the amount borrowed, the term of the loan and your personal circumstances. To find out how much a loan will cost use the loan calculator that is part of the application process. This puts you under no obligation to proceed with the loan but will enable you to see how much you can borrow and what it may cost.
How can I see details of my loan?
If you are registered for Internet Banking, you can see your Lloyds TSB loan online. Click to log on to the service. Alternatively, you can contact your branch who will be able to help you.
How do I withdraw from my loan?
If you take out a loan with us through Internet Banking you have 14 days to withdraw from the agreement.
This right to withdraw will start on the day after you sign your loan agreement or clicked the "Confirm" button on screen. If you do wish to withdraw from your loan during this time you must repay, no later than 30 calendar days after giving notice of withdrawal, the total loan amount (this is the amount we paid into your account) and the daily interest that we charge, both can be found on the Loan Agreement).
You can withdraw by calling us on 0800 092 1290 7 days a week, 8am - 10pm - or by sending any notice to Lloyds TSB Personal Loan Service Centre, P.O. Box 42, Peterlee, SR8 2YQ, enclosing a cheque for the Cash Loan amount payable to Lloyds TSB (a/c Eisis). The loan agreement will continue to apply if you don't withdraw.
If you want to talk to us about withdrawing from your loan more than 14 days after you've signed your loan agreement, please call us on 0800 096 1282 or visit your local branch.
How much we lend and the rate available are subject to our assessment of your circumstances. You must be 18 or over and a UK resident. You must have had a Lloyds TSB Current Account for more than three months.
Repayment holidays are available if you meet certain conditions. Interest will be charged if you take a break from your repayments or defer your payments, so you will pay more interest overall. You will be likely to extend your original repayment term every time a repayment holiday applies.
