Lloyds Island Personal Loan

APR: 11.9% Representative
Loan amount: £1,000 - £25,000
Repayment duration: 12 - 60 Months
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Our review of Lloyds Island Personal Loan

Our review by Alex
Written by: Alex
Consumer sentiment


Lloyds Bank International loans are available to customers that live in the Channel Islands or Isle of Man. The loans are available from £500 to £25,000 and interest rate varies depending on the amount borrowed and type of current account you hold with them.

As well as being a resident of one of the islands and over 18, you will also need to have a current account with Lloyds Bank International to apply. If you hold an Island Gold or Island Premier current account then you can benefit from better interest rates, although the representative APRs available for the Standard Personal Loan, are still very reasonable.

It’s difficult to find reviews online for Lloyds Bank International, let alone for the loans, so I can’t comment on customers’ previous experiences. However, as one of the big high street banks it’s a safe bet to assume that you’ll receive the same sort of service that you would from any of the others.

Overall verdict: Solely for customers who reside in the Channel Islands or Isle of Man, these loans are affordable and reward customers who have different types of current account with them. It’s difficult to find the type of experience others have had with them, but you would hope it would be decent as Lloyds Bank International are such a big name in banking.


  • Fixed monthly repayments
  • No initial setup fee
  • Choose your own repayment date
  • Better interest rates for Island Gold and Island Premier account holders

Minimum criteria

  • Must be aged 18 or over
  • You will need to be a resident of the Channel Islands or Isle of Man
  • You must have a current account with Lloyds
  • You must have good credit history


  • Maximum APR 14.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Lloyds Island Personal Loan

With a Lloyds Bank International loan, customers are able to borrow between £1000 to £25,000 at representative APRs between 4.6% and 14.9%, depending on the amount borrowed and the type of current account that applicants hold with Lloyds Bank. The loan term can vary between one and five years and monthly repayments are fixed.

Applicants will need to be over the age of 18 to apply, will need to be a resident of the Channel Islands or Isle of Man and must have a Lloyds current account to apply. For customers who have an Island Gold account or Island Premier account there are different tiers of interest rates. Following the application customers are usually given a decision on the loan within 48 hours, however, for some it can be sooner.

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Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk