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Apply online now through Open24

Whether you want to get moving with your first car or are upgrading to a bigger model that better fits your needs, you can apply for a Car Loan right now through Open24 Online Banking or our app and get approval in minutes and money into your account instantly.

Wondering how much you can afford to borrow? Use our handy calculator to see what your repayments would be.

Benefits of applying through Open24 Online Banking

  • Approval online or in-app in minutes for loans from €1,500 up to €25,000. No more waiting around for a decision
  • Electronically sign your credit agreement online. No more messy paperwork
  • Once approved you can transfer your funds directly into your account instantly or at any time over the next 90 days
  • Need a loan up to €75,000? Apply online and one of our advisors will call you back to discuss your application. If approved you can also draw down your funds online from the comfort of your home

Requirements for online approval in minutes

  • You must have a Current Account with permanent tsb and be registered for Open24 Online Banking 
  • Your salary must be paid into this account
  • Your loan funds must be drawn down to a permanent tsb Current Account
  • The account from which you pay back your loan must be a permanent tsb Current Account
  • You must be over 18 and the application must be in your name only
  • Applications must be made through the desktop version of Open24 Online Banking or in-app
  • Minimum loan term 1 year. Maximum loan term 5 years

For applications by phone or in branch the minimum loan term is 6 months.

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

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 2011 registered car or newer. Of course if your dream car is older than 2011, 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
2016 - 2018 8.50% 8.80% €10,000 €2,309.60 €12,309.60 €205.16
2013 - 2015 8.90% 9.30% €10,000 €2,425.40 €12,425.40 €207.09
2011 - 2012 9.90% 10.40% €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

  • Just log into Open24 Online Banking from your desktop at any time and click on the Apply Online tab across the top of your screen to start your application, or log into our app and apply today

To process your 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

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.

Car loan calculator

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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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