I have had the worst banking experience ever with this bank. I applied for a year loan of 3k but I ended up paying back more than 4,5k with the interest fees. Thats almost 50% interest fees. When they asked me to sign the loan of 30% APR I wasn't explained correctly the fees I'd be charged off and the senior of Oxford street branch told me they will decrease my interest fees due of been too high but they never did. Avoid at any cost this bank! 30% APR that supposed to be plus other hidden interest fees my one year loan ended up paying back around 50% interest fees on top. For a £3,000 loan paid in total £4,380 :((((( Also dont trust the positive reviews here as they have been written by Lloyds staff. For legit reviews about Lloyds bank check trustpilot website which Lloyds bank has 1 star out of 5 from more than 500 reviewers. I hope this bank close down very quick for ripping people off.