Born in Maidstone,[2] former England Schoolboy international Loft was signed by Brighton & Hove Albion from non-League side Hastings United in January 2006.

[3] He made his professional debut for Mark McGhee's side as a 90th-minute substitute in Brighton's 0–0 draw with Preston North End on 11 March 2006.

[10] After impressing in his loan spell,[11] and after making ten appearances for the Daggers, Brighton manager Russell Slade recalled Loft.

[17] He was transfer listed in late September, along with the entire Port Vale squad, after Adams saw his team slip to a third consecutive defeat.

[18] After calf and heel injuries kept Loft out of contention,[19] he returned to the first-team with a "rasping half-volley" in a 2–2 home draw with Torquay United on 23 November.

[24] Despite a tore calf and a hamstring injury keeping him out of action for portions of the second half of the campaign,[25][26] Loft was awarded a new two-year deal in May 2011.

[27] Loft began the 2011–12 season with four goals in six games which earned him a nomination for League Two Player of the Month for August, which he missed out on to Dagenham & Redbridge's Mark Arber.

[39] In June 2014, Loft turned down a new deal to remain with Port Vale, instead choosing to sign for Gillingham on a free transfer.

[53] He finally made a return to competitive action as a late substitute in Colchester's 1–1 draw with Doncaster Rovers on 14 April 2017,[54] completing the season with nine first-team appearances to his name.

[56] He was released by Colchester at the end of the 2017–18 season after manager John McGreal admitted that "we only ever saw glimpses of him because of his injury problems and it just hasn't worked out for him here".

[57] On 21 July 2018, Loft signed a one-year deal with Shrewsbury Town after impressing manager John Askey on a trial basis in pre-season friendlies.

[66][67] On 3 June 2021, Loft joined Isthmian League Premier Division club Margate; manager Jay Saunders described him as a "key signing".

[66][72] Loft was a versatile midfield player, and in November 2010, was described by Port Vale teammate Gareth Owen as "...one of the fittest at the club, but he's got a lot of skill with it...

[73] He could play in other positions, and received praise for his performances at left-back and his "excellent attitude" from Port Vale manager Micky Adams.