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The son of the late John Lloyd and Matilda Lloyd, John was born in Wolverhampton in 1895. By 1901, he was living with his widowed mother at 13 Albion Street, Wolverhampton, along with his siblings Maud, Martha, George and Elizabeth.

John enlisted with the 2nd Battalion of the South Staffordshire Regiment (service number 32131). He fought in the Battle of Cambrai, and was killed in action on 30 November 1917. He is remembered on the Cambrai Memorial at Louverval, as well as on the memorial of Monmoor & Victoria Works, where he must have worked at some point.