We know that you can get so excited about your plans that it can be hard to get them finished. So whether it’s creating more space for the kids or making the home office of your dreams, PTSB is here to help you finish what you started with a home improvement loan. That’s permanent support.
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.
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. Your loan funds can only be drawn down to a PTSB Current Account. The account from which you wish to pay back your loan must be a PTSB 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.
| 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 | 13.4% | 14.3% | €5,000 | €1,887.40 | €6,887.40 | €114.79 |
| €7,000 - €9,999 | 11.8% | 12.5% | €7,500 | €2,464.20 | €9,964.20 | €166.07 |
| €10,000 - €19,999 | 7.9% | 8.2% | €10,000 | €2,136.80 | €12,136.80 | €202.28 |
| €20,000 + | 7.9% | 8.2% | €20,000 | €4,274.20 | €24,274.20 | €404.57 |
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, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
The Home Renovation Incentive (HRI) scheme was announced in Budget 2014. It provides tax relief for homeowners by way of an income tax credit of 13.5% of qualifying expenditure (€4,405 - €30,000) on repair, renovation or improvement works carried out on a main home by qualifying contractors.
Find out more about this scheme on www.revenue.ie.
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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