• Features & benefits

    Sometimes life would be better with a few improvements. If your kitchen needs a makeover, your car is past its sell by date, or you just need a well-earned holiday but don’t have all the money you need, then a personal loan can help. It can give your finances a boost and make life just that little bit more flexible.

    • Borrow from £1,000 to £25,000, with the option to repay over one to five years.
    • Choose a repayment date that suits you.**
    • As a responsible lender, we discuss the loan to fit with your finances so you’re comfortable with your repayments.
    • Fixed repayments - general interest rate changes can't affect your loan repayments.
    • Rates are tiered depending upon amount borrowed.
  • ** Excludes 29-31 of the month within 35 days of opening the loan.

  • Eligibility

    How much we lend, the rate available to you and the issue of a loan is subject to our assessment of your circumstances. You must be 18 or over and resident in the Channel Islands or Isle of Man to apply.

  • Representative Interest Rates

    Loan amount Term % APR* Representative
    £1,000–£4,999 1–5 years 14.9%
    £5,000–£7,499 1–5 years 11.9%
    £7,500–£25,000 1–5 years 4.6%

    Rates correct as at 1st November 2017.

    * APR: Annual Percentage Rate - the interest payable on what you’ve borrowed is added and then expressed as an annual rate of charge. The APR helps you compare the true cost of borrowing. The APR takes into account all of the interest applied to the loan as well as the monthly payments over its life.

  • What is the minimum amount I can borrow for a Personal Loan?

    You can take out a loan for as little as £1,000 and up to £25,000.

    How old do I have to be to take out Personal Loan?

    You must be 18 or over in order to take out any lending with Lloyds Bank.

    Can I spread out my payments?

    When applying for a Personal Loan you can choose a repayment term of between one to five years. This means that the amount you pay each month will be fixed for that period helping you to budget more easily.

    Am I guaranteed to be accepted for a Personal Loan?

    Unfortunately we cannot guarantee everyone will be approved for a loan. How much we lend, the rate available to you and the issue of a loan is subject to our assessment of your circumstances.

    How long will it take to get a decision on my Personal Loan?

    Everyone’s circumstances are different so there isn’t a one size fits all answer unfortunately. We can usually give an answer within 48 hours but for some people it can be sooner.

    Who can I speak to if I need extra information?

    For Jersey residents please call 01534 845155, Isle of Man residents 01624 638279, Guernsey residents 01481 706347 or Alderney residents 01481 822340.

  • How to apply:


    Visit us in branch

    • Make sure you bring ID such as your original passport or driving licence, as well as proof of your address.

    Find a branch


    Call us

    • 03457 309461  Jersey
    • 03457 309373  Guernsey
    • 03457 301280  Isle of Man
    • 03457 309373  Alderney

    Lines are open 9:30am to 4:30pm Monday to Friday (excluding bank holidays).

    To ensure security for our customers and staff and to help maintain service quality, some calls may be recorded and monitored. Call costs may vary depending on your service provider.