A botanical illustrator, teacher, and writer. Lloyd was born in Helston, Cornwall, Lloyd was the second child of the Rev Charles A Johns, a botanist, author, and the Headmaster of Helston Grammar School, and his wife Ellen Field.
In 1873 she married the Rev. John Henry Lloyd, but in the 1891 Census documents she had become the Matron of a residence in the East End of London for the veterans of the Match Girl strikes, as set up by the theosophist Mrs Annie Besant.
She was also the head of the Working Women’s Club that was sponsored by Besant and her friend Helena Blavatsky. When that closed, Lloyd was sent due to her ill health to Ceylon, and then to Benares, India, where she was the residential matron of the Central Hindu College Boarding House. She contributed to newspapers, magazines and illustrated books.