Discussing the findings, chief economist for Lloyds TSB corporate markets Trevor Williams claimed confidence had come from issues including the decision not to increase interest rates in the past month.
"The recipe for consumer confidence is a secure job and ability to pay the bills and, despite the credit market turmoil, we have seen increasing optimism in both these areas in September," he said.
Lloyds TSB's Consumer Barometer is carried out every month to gauge the opinion of consumers in the UK.
The bank is one of the largest financial groups in the UK and owns subsidiaries including Cheltenham and Gloucester, Scottish Widows and finance house Blackhorse.
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