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Approval in minutes 

We’ve made applying for a loan easier than ever.

Whether it’s a dream holiday, a new car, or perhaps just a special occasion, you can apply for a Personal Loan right now and get approval online or in-app in minutes.

Benefits of a permanent tsb Personal Loan

  • Approval online or in-app in minutes for loans from €1,500 up to €25,000
  • Once approved, drawdown anytime over the next 90 days.
  • Competitive rates
  • Flexibility to repay your Personal Loan with terms of up to 5 years or 10 years for Home Improvement Loans

How do I apply online?

  • If you’re a permanent tsb customer you can apply for a Personal 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 loan funds directly into your account any time over the next 90 days
  • Online approval 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 advisors will call you back to discuss your application. If approved you can also draw down your funds online

Important information

To get approval online, 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 Personal Loans and 10 years for Home Improvement Loans. For approval online 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 13.4% 14.3% €5,000 €1,887.40 €6,887.40 €114.79
€7,000 - €12,999 11.8% 12.5% €10,000 €3,285.80 €13,285.80 €221.43
€13,000 - €19,999 10.9% 11.5% €15,000 €4,522.80 €19,522.80 €325.38
€20,000 + 10% 10.5% €20,000 €5,496.40 €25,496.40 €424.94

APR stands for Annual Percentage Rate. Our Personal 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 837 411 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-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 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 our required documents page for full details.
  • You can then transfer your loan funds directly into your account at any time over the next 90 days
  • Online approval 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

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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