Since the split from Teddy Sheringham, Lloyd has dated Marcus Bent and Jermain Defoe, and was briefly engaged to pop-star DJ Ironik.

On 26 May 2009, Lloyd was pictured lying on the pavement outside a nightclub, bloodied and clearly upset after an unprovoked attack. She reportedly required emergency plastic surgery on a wound on her leg, after she was thrown onto a table full of glasses.

On 1 December 2009, Lloyd announced that she and footballer Jamie O'Hara had become engaged. On 11 July 2010, Lloyd gave birth to their son Archie O'Hara in London. On 15 March 2011, it was announced that the couple are expecting another baby.