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Lloyds Bank: Personal Loan reviews

Name: Personal Loan
Rating: 4.36 (55 reviews)

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4.44

Based on 55 reviews, last reviewed 22nd Jan 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

75%

11%

Latest highest rating:

5

Replacing our car. When we needed to replace our car I decided that a personal loan from my bank was the simplest way to fund the purchase as I was not keen on leasing o... Read more Reviewed on: 22nd January 2026

Latest lowest rating:

2

Loan Nightmare! I wasn’t sure about the exact amount of money that I needed to take out with a loan, it turned out that I was at least £2000 short. Although a higher ... Read more Reviewed on: 14th August 2024

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About this product

Lloyds Bank personal loan reviews on Smart Money People are honest reviews. If you're trying to determine whether this is the right personal loan for you, reading our Lloyds Bank personal loan reviews can help you to find out what other people have to say. Smart Money People launched in October 2014 to help people like you to find the best personal loans. If you have used a Lloyds Bank personal loan, we'd love you to write a quick review too.

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Lloyds Bank Personal Loan reviews (55)

Doesn't reward loyalty

I had a personal loan with lloyds and paid it off. The same month my car was written off through no fault of my own and the insurance pay out wasn't enough so I went to the bank to try and get another loan. I had never missed a payment and had paid my previous loan off as scheduled however they wouldn't give me one. I went home and got a better deal with Tesco Bank but the next week Lloyds called me up and offered me a loan. If i wasn't good enough the week before I don't understand what happened but needless to say I wouldn't get a loan from them again. Reviewed on: 11th February 2018

The best

I came to England 13 years ago I was always with the Lloyds bank they good helpful and friendly Reviewed on: 24th January 2018

Best bank to take out a loan with

I needed an urgent loan because I had been kicked out of my house and needed money to survive. I decided to go to Lloyds bank for a loan. The money was in my account immediately. The staff was very polite and he explained everything in detail. Not to mention the fact that I was given a £20 voucher at the end of the year to eat at a French restaurant as a result of me taking out a loan with them. Reviewed on: 20th January 2018

Easy, simple!

applied and got the money within 2 minutes it was amazing Reviewed on: 5th December 2017

How I got my dream car

I decided to speak to the lovely man at Lloyds bank called Martin Proud who talked me through a loan application to get my dream car ( mini one) in powder blue And once we went through the form I got accepted straight away and Martin up graded my account and I got 6 free cinema tickets to use throughout the year free One happy customer 5 star rating Reviewed on: 19th November 2017

quick and efficient

i applied for a personal loan. the application process was quick and easy and the decision on whether i was approved took less than a day. very efficient Reviewed on: 6th November 2017

Easy to arrange loan

I got a good rate on the loan and it was in my account in minutes. I can manage everything online. The only slight issue I have is that I can only see the total loan amount remaining, not the total amount I will pay (total amount plus interest). Reviewed on: 1st July 2017

Easy but not cheep

Lloyds customer service is fantastic and allways has been and loan was Easy to set up in branch and easy to keep on top of using mobile banking my only con is the intrest rates are high Reviewed on: 29th June 2017

Ok

I was a bit disappointed with the high rate of interest they offered for a loan considering I actually bank with them. Reviewed on: 29th June 2017

Bank made me feel worthless

Bank made me feel worthless and bad with money. They wanted to charge me a very high interest on a personal loan. Reviewed on: 7th June 2017

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