Upon finishing school, Lloyd decided to pursue a dual career in modelling and as a beautician specializing in massage. She is a former nail technician.
Lloyd was crowned Miss England on 17 July 2004, and competed at Miss World 2004. On 26 February 2006, Lloyd was named Miss Great Britain 2006.
On 2 November 2006, she was stripped of her title "following recent claims in the press and magazines and the publicity given on the Playboy website for their next issue", according to the Miss Great Britain website.
Lloyd appeared in FHM magazine and was a finalist of Miss Maxim 2006.
In 2006, Lloyd made an appearance on BBC One's Test the Nation. She revealed that she thought a statue of former Prime Minister Winston Churchill was a statue for the first black President. However, at the end of the show it was revealed that her IQ was 152, and she would go on to win a special episode of The Weakest Link.
Lloyd joined Celebrity Big Brother on 3 January 2007, at the start of the series. Lloyd incurred significant negative publicity, including comments by politicians and government ministers about her, Jade Goody, and Jo O'Meara's involvement in the racially connotated controversy with rival housemate Shilpa Shetty. Shetty won the competition with 63% of the final vote.
As a result of negative publicity about the show, Lloyd lost six-figure modelling contracts with motorcycle insurance firm Bennetts and urban fashion label Rocawear.
Lloyd has also appeared on the cover of Maxim, Loaded, Nuts and Zoo several times, as well as featuring in FHM and Ice. She has also secured a contract as the face of Ladbrokes Poker.
In 2007, Lloyd launched a mobile phone safety campaign after her own mobile was stolen in a Liverpool club. The "Keep It Safe & Secure" (KISS) campaign, backed by the National Mobile Phone Crime Unit encourages mobile users to take greater safety precautions when using their phone. In December 2007, Lloyd released a workout DVD entitled Keep Fit, Look Fit.
Throughout 2007 and 2008, Lloyd made numerous television appearances including a guest spot on ITV2's WAGs Boutique and the celebrity edition of Gladiators. She also participated in a Glamour Models Special of The Weakest Link, winning £8,950. Lloyd donated her winnings from both Celebrity Big Brother and The Weakest Link to the Linda McCartney Centre located at the Royal Liverpool University Hospital.
Lloyd appeared in her own documentary, Dangerous Love: A Comic Relief Special (first broadcast on 3 March 2009), which examined the subject of violence against females in teen relationships. In the programme, she described the abuse she received (including a broken cheekbone) during her turbulent relationship and visited organisations funded by Comic Relief.
On 2 January 2010, Lloyd participated in a celebrity edition of Total Wipeout. She cleared all the rounds and went on to win the entire competition. She raised £10,000 for the charity Guiding Light/The Lantern Project.
In December 2010, she appeared on a celebrity edition of Come Dine with Me on Channel 4. She received the highest average scores from the other contestants and won the competition. She donated her prize money to Bliss, the special care baby charity.
In 2014, Lloyd participated in celebrity show Splash!.
On 18 January 2015, Lloyd took part in celebrity talent show Get Your Act Together.
Lloyd and Jamie O'Hara were married on 26 May 2012.