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This is despite the fact that many dealerships offer new cars on zero per cent interest deals.

The letter, addressed personally, reads: ‘Nothing beats getting the car you want, does it [customer’s name]? That’s what our online car finance can offer you.’The customer, who asked not to be named, told the Mail: ‘Lloyds are encouraging people to spend, even overspend, at a time when finance all over the country is supposed to be tight and debt is a huge issue.‘Why are Lloyds, who were bailed out with public money, encouraging people to take on more debt? The bank is feeding off people’s sense of consumerist envy.

Lloyds sent the car loan offers to customers across the country in July.

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Banks have become embroiled in the row over reckless car loans after mass-mailing customers to convince them to buy luxury vehicles.

Customers of Lloyds Banking Group – which also includes Halifax and Bank of Scotland – have received personalised letters offering them long-term monthly loan deals so they can buy new cars.

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