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Online approval in minutes

Whether it’s a hatchback or a saloon, a two door or a four door, we know that choosing the right car can be hard. Which is why we make applying for the loan easy!

Whether you’re looking to buy your first car, or are upgrading to a newer model that better fits your needs, you could apply for a Car Loan right now and get approval online or in-app in minutes.

Benefits of a permanent tsb Car Loan 

  • Approval online or in-app in minutes for loans from €1,500 up to €25,000
  • 100% finance available with no deposit required
  • Terms up to 5 years available 
  • You own your car from the start
  • No arrangement or documentation fees

How does online approval in minutes work?

  • If you’re a permanent tsb customer you can apply for a Car Loan through the desktop version of Open24 Online Banking or in-app and get approval in minutes
  • If approved you electronically sign your loan agreement online. You can then transfer your funds directly into your account any time over the next 90 days
  • Online approval in minutes is subject to a maximum loan amount of €25,000
  • For loans greater than 25,000, and up to €75,000, you can still apply online and one of our team will call you back to discuss your application. If approved you can also draw down your funds online

To get online loan approval in minutes, you must be registered for Open24 Online Banking, have a Current Account with us, and have your salary paid into this account. 

During your application you will need to provide us with your PPSN, if approved, you will need to submit proof of PPSN – see here for acceptable documents.

If we already have your PPSN on file, you will not have to provide it to us again. Your loan funds can only be drawn down to a permanent tsb Current Account. The account from which you wish to pay back your loan must be a permanent tsb Current Account and your loan can only be taken out in your sole name. 

Minimum loan term 6 months. Maximum loan term 5 years. For online approval in minutes the minimum loan term is 1 year.

Your application will be subject to a full credit assessment. Lending criteria, terms and conditions apply. Over 18s only.

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Looking to import a car from the UK?

We’re happy to provide car finance to cover the cost of your car as well as the VRT.

Find out here what you need to know!

Check out our great rates

How much you repay depends on the amount you borrow and your interest rate depends on the age of the car you wish to purchase.

To get one of our great Car Loan rates your car must be a 2012 registered car or newer. Of course if your dream car is older than 2012, you can still avail of our competitive Personal Loan rates.  

Year Registered Interest Rate - Variable APR - Variable Sample Loan Amount Total Cost of Credit Total Amount Payable over 5 Years Monthly Payment Amount
2017 - 2019 8.5% 8.8% €10,000 €2,309.60 €12,309.60 €205.16
2014 - 2016 8.9% 9.3% €10,000 €2,425.40 €12,425.40 €207.09
2012 - 2013 9.9% 10.4% €10,000 €2,718.20 €12,718.20 €211.97

APR stands for Annual Percentage Rate. Our Car Loans have a variable rate which means that the rate, and your loan repayments, can go up or down during the term of your loan.

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.

How to apply

  • If you're a permanent tsb customer just log into Open24 Online Banking from your desktop or log in to our app and apply today  
  • If you’re not registered for Open24 or you’re not a permanent tsb customer you can call us on 
    1890 837 412 or +353 1 212 4027 and our team will take your application; or
  • You can drop into any permanent tsb branch to chat with one of our team

To process your online application we'll need the following:

  • A completed and electronically signed loan application, which can all be done online through the desktop version of Open24 Online Banking or in our app.
  • If your main bank account is with permanent tsb, this is all we should need you won’t need to provide a lot of documentation but you will need to provide us with your PPSN
  • If we already have your PPSN on file, you will not have to provide it to us again If approved, you will need to submit proof of PPSN – see here for acceptable documents.

If your main bank account is not with permanent tsb, we’ll also need:

  • Proof of identification, such as your passport
  • Proof of address, such as a utility bill
  • Proof of PPSN, such as a P60 (Personal Public Services Number)
  • Proof of income, such as 3 months of bank statements from your main personal current account. In certain circumstances, 2 recent pay slips may also be required

See our required documents page for full details.

Please note: Not all applications are the same and additional information may be required in certain circumstances.

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Credit Cards

Our ICE Visa Credit Card really is a more flexible way to pay, whether you're shopping online or on the high street you'll get all the great benefits.

Help and Support

Need help? Our Help and Support section is full of useful information.

Savings Accounts

If you want to save regularly, then we have a savings account for you. Learn more about your saving options.

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