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.

Why apply for a PTSB loan?

PTSB offer a variety of loans for range of borrowing needs. With a PTSB loan you’ll get:

  • A choice of loans, including car finance, home improvement and save and borrow loans
  • Quick approval online or on your phone app in minutes for loans from €1,500 up to €25,000
  • The loan will be paid into your bank account instantly once approved
  • Competitive rates and a choice of loan terms
  • Flexibility repayment with terms of up to 5 years or 10 years for some loans

What loans do PTSB offer?

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

  • Personal loan This flexible loan can be used to spread the cost of a wide range of expenses. Borrow between €1,500 and €75,000 over a term of 12 months to 5 years.
  • 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.
  • Home improvement loan Fund a quick refresh or major renovation work by borrowing €1,500 to €75,000 over 6 months to 10 years.
  • Cash secured loan Borrow up to the value of your savings - up to €75,000 over a term of 6 months to 10 years. Savings are used as security and can’t be withdrawn until the loan has been repaid.
  • Save and borrow loan Borrow up to four times the value of your savings after 6 months. Loan amounts of €1,500 to €6,999 over 12 to 60 months.
  • SBCI Home Energy Upgrade Loan Scheme Increase your Building Energy Rating (BER) and reduce your energy bills with a government funded lower rate loan.

Compare loans today

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

Applying for a PTSB loan

To get online loan approval and have your funds paid into your account instantly, you must:

  • Have a Current Account with PTSB
  • Have your salary paid into that account
  • Be registered for Open24 Online Banking

If you submit an application online or via the app, you can be approved in minutes for loans up to €25,000* and receive the funds in your account as soon as the loan has been agreed.

After approval, you’ll need to sign your loan agreement electronically for the funds to be transferred instantly.

If you don’t have a current account with PTSB call 0818 837 413 or +353 1 212 4027 and complete your application over the phone, or drop into any PTSB branch.

New customers will need to provide Personal ID, PPSN and proof of address and income.

*Loan terms of 1 to 5 years, PTSB current account customers only using Open24 online banking or the app.

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.

Compare loans today

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

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 23/05/2024