He began his professional career at Stockport County in 1967, having signed from Rhyl. He transferred to Southend United two years later, before ending up at Wrexham in 1971. He spent six years as the Welsh club's first-choice keeper before being sold to Chester City. In 1981, he was loaned out to Port Vale before he re-signed for Stockport County. He left the Football League in 1983 and later spent some years in Welsh football with Bangor City, Colwyn Bay, Rhyl, and Lex XI. He won Player of the Year awards at both Wrexham and Chester City.
Lloyd departed Roots Hall and returned to North Wales in August 1971, beginning a long stint with John Neal's Wrexham. Lloyd played 35 games in his first season at the Racecourse Ground. He was then ever-present in league games in the next five years, as the club challenged for promotion from Third Division.[4] The "Dragons" finished 12th in 1972–73, before finishing one place and five points behind the promotion places in 1973–74. Wrexham dropped to 13th in 1974–75 before rising to sixth in 1975–76, just three places and four points outside of the promotion places. Lloyd was the club's first winner of the Jack Williams Player of the Season accolade in 1975–76.[5] The club again narrowly missed out on automatic promotion in 1976–77, finishing just one point behind third-placed Crystal Palace.
In September 1977, Lloyd made a surprise £6,000 move to local rivals Chester.[6] He quickly replaced fellow Welshman Grenville Millington as the regular Chester goalkeeper and helped Alan Oakes's "Seals" to finish fifth in the Third Division in 1977–78, with Lloyd being named as the club's Player of the Season for his efforts.[7] He was again first-choice the following season. However, an injury in September 1979 led to Millington replacing Lloyd in the Chester goal.[8] With Millington now the regular in goal and youngster Phil Harrington emerging from the youth ranks,[9] Lloyd was allowed to join Port Vale on loan in February 1981.[1] He played Vale's remaining sixteen matches of the season.[1] Vale supporters and players alike appealed to managerJohn McGrath to sign him on permanently at Vale Park, but to no avail, he returned to Sealand Road and was subsequently released.[1]
After retiring as a footballer, Lloyd became a self-employed design consultant in Wrexham, a career he had initially begun after leaving school.[4] He has won awards for his architectural work.[12]