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.
Our loans are now mobile. So you can get approval in minutes in our app 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 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.
|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|
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.
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.
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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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.
Need help? Our Help and Support section is full of useful information.
If you want to save regularly, then we have a savings account for you. Learn more about your saving options.