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Personal Loan

Get a Loan from Britain's most popular lender^†

Apply for a Personal Loan with a rate of 11.3% APR typical on loans of £7,500 to £25,000 for up to 5 years* and get an instant online decision in Internet Banking. Whether you've been looking to make a few home improvements, buy a new car or get your finances back on track - apply online for a Lloyds TSB Personal Loan, and you could have the money in your account today.

Features & Benefits

Loan amount of your choice up to £25,000.
The option to take breaks from your loan repayments with repayment holidays^***.
Choose to make no repayments for the first 3 months with Buy Now Pay Later**.
Manage your money through Internet Banking
Optional Loan Protection that could cover your repayments in case you lose your job or can’t work.

Loan Protection

Our Loan Protection policy is monthly renewable contract which means that you pay a monthly premium and cover lasts for a month at a time. Your cover will continue on a month by month basis unless it is cancelled by you or us, or until your cover ends (for example when your loan ends or you repay it early).

Our Loan Protection has been awarded five stars for quality of cover by Defaqto, an independent financial research company. This rating is based on the features and benefits of our Loan Protection product.

defaqto 5 star award

How do I apply?

Online
Get an instant decision by applying online. Your application will take about 10 minutes to complete and is totally secure.

Registered for Internet Banking?            Get a quote for an Internet Banking Personal loan
Or call us on 0800 056 0140
Not Registered for Internet Banking?     Get a quote for an Internet Banking Personal loan
Or call us on 0800 092 2290
Open 8am-10pm 7 days a week.

Personal Loan important information

Important Info

How much we lend (if any) depends on our assessment of your circumstances. To apply, you must be 18 or over and a UK resident. Written quotations are available on request, please contact your nearest branch.
The rates term and repayments may vary depending on how you contact us to apply for your loan.

Rates may also vary according to a combination of factors which we consider to set your personal loan rate for you. These include past credit repayment history, your past account history and other personal details held on our records.

Loan Protection

Optional Loan Protection may enable you to meet your loan repayments if you can’t work due to illness, accident or unemployment. You can only take out this valuable insurance when you apply for your loan so remember to tell us if you want it.

For Loan Protection Insurance Policies purchased on or after 1 January 2007, your Loan Protection Insurance Policy is underwritten by Lloyds TSB General Insurance Limited, registered in England (Company No.204373) 25 Gresham Street, London EC2V 7HN and Scottish Widows plc, registered in Scotland, registered office in the United Kingdom at 69 Morrison Street, Edinburgh EH3 8YF. All of these insurers are authorised and regulated by the Financial Services Authority (FSA).

Loan protection (accident, sickness and hospitalisation cover for loan terms of less than five years and unemployment cover for all loan terms) is underwritten by Lloyds TSB General Insurance Limited.

Loan protection (accident, sickness and hospitalisation cover for loan terms of five years and over, life and critical illness cover for all loan terms) is underwritten by Scottish Widows PLC.

Apply

How do I apply?

Online
Get an instant decision by applying online. Your application will take about 10 minutes to complete and is totally secure.

Registered for Internet Banking?            Get a quote for an Internet Banking Personal loan
Or call us on 0800 056 0140
Not Registered for Internet Banking?     Get a quote for an Internet Banking Personal loan
Or call us on 0800 092 2290
Open 8am-10pm 7 days a week.

Personal Loan important information

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Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority. FSA authorisation can be checked on the FSA’s Register at: www.fsa.gov.uk/register. Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service.

Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

* 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. Loans transferred instantly between the hours of 9:30am and 8:30pm or within 24 hours outside these times.
**Interest will be charged if you take a break from your repayments or defer your payments, so you will pay more interest overall unless you choose to use our overpay lump sum feature to make up for them at a later date.
***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.
† Number one lender defined as having the largest share of the unsecured personal loans market. GfK FRS 6 months ending April 2008, based on 3,510 loans held (excluding secured, point of sale under £1k and interest free loans).

Defaqto is an independent financial research company that scores products for quality across a wide range of features and benefits. Using a unique scoring system Defaqto then assign a star rating to each product. The highest rating of five stars is only awarded to products which meet a certain benchmark. Our Loan Protection product has been awarded a Five Star rating for quality of cover for the second year running.