[6] Loach joined Lincoln City's Centre of Excellence in April 2003, before signing a three-year scholarship in summer 2004.

He signed professional terms for Watford in June, with Lincoln City receiving a transfer fee of £50,000.

Although he played in several pre-season friendlies, the move did not come to fruition due to a transfer embargo as a result of Leeds entering administration.

[18] In September 2007, Loach joined Conference Premier club Stafford Rangers on an initial one-month loan.

[20] He made only one more league appearance for Morecambe, during which he saved a penalty from Macclesfield Town's Martin Gritton, before he returning to Watford after just two weeks.

[25] Loach played the remainder of the season with Bradford, making 20 appearances for the club, who finished in 10th place in League Two.

[27] He made his league debut as a substitute on 20 September 2008 when he came on to replace Mart Poom in the fourth minute of a match against Reading.

[29][30] Loach remained a regular in the Watford team for the rest of 2008–09, under the management of Aidy Boothroyd, Malky Mackay and later Brendan Rodgers.

Newspaper reports linked Loach to Tottenham Hotspur as backup to Heurelho Gomes, however as Carlo Cudicini's alleged move to Portsmouth did not go through, no deal was ever made.

Loach made a good start to 2009–10 including a match winning performance against Plymouth where Watford won 1–0.

[36][37] Loach completed what he called his "dream move" by returning to his boyhood club for an undisclosed fee on 19 July 2012.

[43] On 2 March 2015, following an injury to Artur Krysiak, Loach joined League One club Yeovil Town on a one-month emergency loan.

[44] On 15 July 2015, Loach signed for newly relegated League Two club Notts County on a two-year contract.

[45] On 23 March 2017, Loach joined National League club York City on loan until the end of 2016–17,[46] to replace the injured Kyle Letheren.

[51] He returned to Notts County after this match, as he was not eligible to play for York in the 2017 FA Trophy Final.

[67] In February 2009, Loach's good form at club level earned him his first England under-21 international call-up by manager Stuart Pearce for a friendly match against Ecuador's senior team in Malaga.