Consumer Finance

Consumer Finance offers customers everyday products and services to help them manage their finances, businesses and lives.


We combine core growth areas of Lloyds Banking Group and specialist expertise including Consumer & Commercial Cards, Unsecured Personal Loans, Black Horse and Lex Autolease, as well as our mortgage and deposit taking businesses in Germany and the Netherlands.

Our Cards business is made up of consumer credit cards, commercial cards and Cardnet. We are the leading issuer of new consumer cards in the UK and meet the needs of more than 8 million customers each day. In 2017 Lloyds Banking Group acquired the MBNA credit cards business from Bank of America. MBNA is one of the UK’s leading credit card providers, with over 3million UK customers.

In Commercial Cards we help businesses of all sizes optimise their working capital - from the traditional plastic card for travel and expenses to virtual card solutions for direct supplier payments. Cardnet is our merchant acquirer, in a joint venture with First Data, which enables retailers and merchants to accept electronic payments for their goods and services. We offer unsecured personal loans to franchise customers across our three retail brands, issuing a new loan every 60 seconds and supporting 1 in every 25 households across the UK.

Black Horse is an expert in motor finance loans, helping over 300,000 customers every year to finance new and used cars, caravans, motor homes and motorbikes through over 5,000 dealers. Lex Autolease is the UK’s leading fleet management and leasing specialist, managing more than 330,000 cars and commercial vehicles across the UK.

We continue to invest in our businesses to create the right products, increase digital capability and ensure the best customer experience.