Loans

PTSB loans

PTSB offers a range of loans for different occasions. You can apply in branch, over the phone, online or using their mobile app.

What loans do PTSB offer?

Here’s a quick rundown of the PTSB loans you could apply for:

  • Car loan: Borrow between €1,500 and €75,000 for up to 5 years. Existing customers could get approved online in minutes for loans up to €25,000 and access funds straight away, subject to T&Cs.
  • Cash secured loan: The loan amount is based on the value of your savings and must be between €10,000 and €75,000, over a term of 6 months to 10 years. Your savings are used as security and can’t be withdrawn until the loan has been repaid.
  • Home improvement loan: Fund a quick refresh or major renovation work by borrowing €1,500 to €75,000 over 6 months to 10 years. Fast online approval is available for existing customers.
  • Personal loan: Borrow €1,500 to €75,000 for whatever you like e.g. a holiday or big event, over a term of 6 months to 5 years (or 10 years for home improvements).
  • Save and borrow loan: Borrow up to 4 times the value of your savings after 6 months., minimum saving amount is €70 a month. Loan amounts of €1,500 to €6,999 over 12 to 60 months. Your savings are held against this loan as security until the loan is repaid.

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Applying for a PTSB loan

If you decide to apply for a loan, you can do so by phone, online or through the Permanent TSB app. If you submit an application online or via the app, you could:

  • get approved in minutes on loans up to €25,000*
  • get the funds in your account as soon as you’ve been approved**

*Loan terms of 1 to 5 years, PTSB current account customers only using Open24 online banking or the app. You may be asked for proof of your PPSN. **You must sign your loan agreement electronically after approval and the funds will be transferred.

About PTSB

PTSB is regulated by the Central Bank of Ireland, with a history that dates back over 200 years.

They have 98 branches across Ireland, a 24-hour automated telephone banking service and a call centre.

As well as loans, they offer other banking products, including credit cards, mortgages, current accounts, savings, investments and insurance.

PTSB loans FAQs

How do I apply for a PTSB loan?

Existing customers can use Open24 online banking or the PTSB mobile app to apply by completing an application form and signing it electronically. Proof of PPSN will also be required.

For loans above €25,000, the loans team will need to call you to discuss your application before deciding whether to approve you.

Other ways to apply include calling the loans team or visiting a branch and speaking to an adviser. New customers will also need to provide proof of:

  • Personal ID
  • Address
  • PPSN
  • Income

Can I use a PTSB car loan on a second hand car?

Yes. It needs to be no older than 7 years, though and will affect the interest rate you get.

The newer the car, the lower the interest rate will be.

Does PTSB have loan calculators?

Yes. They have a calculator for each type of loan.

You can see how much you could borrow based on the monthly payment you choose or how much your payments will be based on the amount you need to borrow.

Compare loans today

It only takes a few minutes to find the best loan for your borrowing needs.

See lowest rate loans

Loan lenders in Ireland

Warning: The cost of your monthly repayments may increase. Warning: you may have to pay charges if you pay off a fixed rate loan early. Warning: If you do not keep up your repayments you may lose your home. Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. Information provided and Interest rates quoted valid at 17/04/2024