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Whatever the job, we’re lending 

We understand that there are always ways you can improve your home. So whether it’s a lick of paint or a grand design, we’re here to help you get it done.

You can get approval online or in-app in minutes, and get your loan into your account instantly for loans up to €25,000. So you can spend less time sorting out your finances and more time making your house a home.

Why take out a Home Improvement Loan with us?

  • Approval online or in-app in minutes for loans from €1,500 up to €25,000
  • If approved, get the loan paid into your account instantly
  • Competitive rates
  • Flexibility to repay your loan with terms of up to 10 years

How does online approval in minutes work?

  • If you’re a permanent tsb customer you can apply for a Home Improvement 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 instantly or at 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, and have your funds paid into your account instantly 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 Personal Public Service Number (PPSN). If we already have your PPSN referenced on file, you will not have to provide the number to us again, however if approved, you will need to submit proof of PPSN – see here for acceptable documents.

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 10 years. For online approval in minutes the minimum loan term is 1 year and the maximum loan term is 5 years.

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

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Check out our great rates

Available Loan Amounts

Interest Rate (variable)

APR (variable)

Sample Loan Amount

Total Cost of Credit

Total Amount Payable over 5 Years

Monthly Payment Amount

€1,500 - €6,999







€7,000 - €9,999







€10,000 - €19,999







€20,000 +







APR stands for Annual Percentage Rate. Our Home Improvement 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  0818 837 413 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 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, you won’t need to provide a lot of documentation but you will need to provide us with proof of your PPSN. If we already have your PPSN referenced on file, you will not have to provide the number 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 an Employment Detail Summary (P60)
  • 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.

Apply online now or Call  0818 837 413

Home improvement 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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