According to Heat, the X Factor finalist wants to stay true to her current style.
A source told the publication: "Cher is adamant that she'll stick with her unique style and character, which has caused issues.
"Her style is very niche. She's worked hard, but she wants to be bigger than Leona Lewis and she wants it quick. Because she's young and inexperienced, it could all end in tears."
US showbiz writer Juliet Izon said: "Lord, girlfriend needs a stylist! With her style, Cher would send the American paparazzi running. Her clothing choices are atrociously low-rent.
"No-one knows her in America, so if she wants to make a big splash she need to act and look like a sophisticated celebrity. That means ditching her trashy look and not waltzing around like she's an A-lister."
She claimed that Lloyd must have dental work, "burn her current wardrobe and replace it" and 'play nice' with US celebrities if she is to be a success across the Atlantic.
"Getting a cute American boyfriend wouldn't hurt, either," Izon added.
Lloyd was recently said to have been unhappy with the pop direction in which Simon Cowell is supposedly pushing her debut album.