Clemenceau wanted a harsh treaty on Germany

To pay for all the damage Germany had caused.

To prevent future German attacks on France.
To gain revenge (for all the French suffering).
France lost many soldiers.
France had suffered enormous damage to its land, industry and people. Clemenceau
was under intense pressure from his people to make Germany pay for the suffering
they had endured both in 1870 and the Great War.
Ever since 1870 France had felt threatened by its increasingly powerful neighbour,
Germany. Clemenceau saw the treaty as an opportunity to cripple Germany by
breaking it up into small, weak states so it could not attack France again.
France had borrowed huge sums of money to fight the war and was faced with
enormous debt. Clemenceau wanted Germany to pay this debt.

Clemenceau and Lloyd disagreed over how to treat Germany

Clemenceau wanted France secure in the future.
Clemenceau wanted to cripple Germany.
Clemenceau wanted revenge on Germany.
Lloyd George wanted to protect the British Navy.
Lloyd George wanted to trade with Germany.
Lloyd George did not want France to become too powerful.
Clemenceau wanted to secure France from future German attacks by reducing
German military strength and taking back Alsace-Lorraine and taking the Saar and
the Rhineland.
Lloyd George wanted to reduce German strength but he did not want to make
France too powerful and therefore he would resist the taking of German territory to
aid France.
Clemenceau needed to placate a vociferous French public and therefore wanted
severe terms like huge reparations to repair French damage.
Britain had not been invaded and damaged and therefore Lloyd George wanted
more moderate demands so that Germany would not seek revenge in the future and
Britain could resume being an active trading partner with Germany.
Clemenceau felt that Lloyd George was quite happy to treat Germany fairly in
Europe, where France rather than Britain was most under threat.
Lloyd George, however, was less happy to allow Germany to keep its navy and
colonies, which could be more of a threat to Britain.