Lloyd was born in Liverpool, England, the daughter of Jackie and Arthur Lloyd, a bank clerk production operator Ford Motor co/ Jaguar Motor co, respectively. Lloyd claims she was bullied in school; however, the former headteacher Chris Yates, of Lloyd's old schools, St Hilda’s, has rebutted these claims.[1] Upon finishing school, she decided to pursue a dual career in modelling and as a beautician specializing in massage. She is a former nai technican.
Just as she was beginning her modelling career, Lloyd was attacked by her boyfriend at the time. She was dragged from her moving car after an argument with him, suffering abrasions and severe bruising to her body and losing most of her hair.
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