Credit Card Eligibility Calculator TM

Find which credit cards you're most likely to be accepted for – protecting your credit score

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Lloyds 32months card

Will you get it?


Will you get it?



Lloyds - 32 months 0%, 0.8% fee

Plus £20 cashback if you transfer £100+
Click here for full card info

This card from Lloyds lets you shift debt to it for 32 months for a low one-off fee of 0.8%. Plus, apply by 31 March and if you transfer at least £100, you'll get £20 cashback.

  • To be eligible for the cashback, apply by Fri 31 Mar and transfer at least £100 within 90 days of account opening.
  • The cashback will be paid to your card account within 60 days of transferring your balance.
  • You must transfer your balance in the first 90 days to get the 0% deal. Transfers made after this time will pay 18.9% APR and a 3% fee.
  • After the 0% deal ends, you'll pay 18.9% interest on your balance transfer, though poorer credit scorers may pay a higher 21.9% or 25.9%.
  • You can't transfer from another Lloyds card (though you can from Halifax or Bank of Scotland, even though they are also owned by the Lloyds group).
  • Balance transfer length & transfer fee: 32 months, 0.8%
  • Card issuer: Mastercard
  • Min repayment: Greater of 1% of balance plus interest, or £5
  • Any restrictions? Must transfer within 90 days
  • Min income: N/A
  • Will I get the full 0%? Yes.
  • A nonsense piece of regulation means we have to tell you if you were to spend £1,200 at an annual interest rate of 18.94% (variable) your Representative APR would be 18.9% (variable).

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Good news! Unlike applying, which usually leaves a hard search on your credit file and can hurt your future credit worthiness, our eligibility calculator uses a soft search. We use this to find out how likely you are to be accepted. You see the soft search on your credit file, but lenders don't, so it has no credit impact. Use this calculator to home in on the card you're most likely to get.

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