 Born in Taunton, Somerset, Lloyd began his career as a trainee with the Huddersfield Town youth system, signing a professional contract on 22 August 2003.Lloyd made his league debut on 27 September 2003 after starting in a 3–0 win at home to Leyton Orient.He was a member of the 2004 promotion side, playing in the play-off Final at the Millennium Stadium, Cardiff as Huddersfield beat Mansfield Town in a penalty shoot-out after a 0–0 draw after extra time.