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Want your loan into your account instantly?

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

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

Benefits of a permanent tsb Personal Loan

  • Approval online or in-app in minutes for loans from €1,500 up to €25,000
  • If approved you can get your loan paid into your account instantly.
  • 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, get approval in minutes and get your loan into your account instantly
  • If approved, you electronically sign your loan agreement online. You can then get your loan paid into your account instantly or 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 in minutes and have your loan 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 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. Maximum APR (Annual Percentage Rate) is 14.3%.

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.

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 837 411 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 proof of your PPSN if we do not already have this.
  • 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 a document showing proof of PPSN
  • See our required documents page for full details.
  • You can then transfer your loan funds directly into your account instantly or 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 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.

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