Car Loan

Get €200 cash back with your Car Loan.

Get €200 back in cash when you take out a Car Loan

Whether it’s a 2 door or a 4 x 4, a new car or pre-loved, why not talk to us today about a simple and straightforward Car Loan. Plus you could get €200 back in cash when you take out a Car Loan with us. We also offer full loan approval in just 3 hours so you can apply for your Car Loan today, and drive away tomorrow! 

Why take out a Car Loan with us?

  • €200 cash back offer 
  • 3 hour loan approval
  • 100% finance and no balloon payments
  • Borrow anything from €1,500 to €75,000 (based on lending criteria). To get the cash back offer a minimum loan amount of €6,000 applies 
  • Terms range from 1 to 5 years
  • Free car history check upon full loan approval with Motorcheck (see
  • No additional mileage restrictions unlike some Hire Purchase/Personal Contract Plans

How does our cash back offer work?

1. Draw down your permanent tsb verified Car Loan between 15 February and 13 May 2016.

2. €200 will be paid directly into your loan paying account no later than 30 days from the date of the loan draw down.

Our cash back offer relates to Car Loans drawn down between 15 February and 13 May 2016. A minimum loan amount of €6,000 applies. Your car must be a 2009 registered car or newer from a SIMI registered or franchised dealer. Proof of purchase will be required prior to pay out. A franchised car dealer is one with an official vehicle manufacturer’s franchise.

Of course if you’re not buying from a SIMI registered dealer or your dream car is older than 2009, you can avail of our competitive Personal Loan rates. However please note our cash back offer does not apply to our Personal Loan rates.

We reserve the right to seek refund of payment of the €200 if the Car Loan is redeemed within 12 months of the date of drawdown.

For full terms and conditions please see terms and conditions.

3 hour loan approval

To get approval in 3 hours you must be a salary mandated current account customer with us.

Our 3 hour loan approval applies to phone applications made during business hours (9am-5pm) and for outbound phone calls made in response to online applications. The 3 hours applies from when full application details have been provided over the phone to our car loan sales team.

Your application will be subject to a full credit and suitability assessment.

Read the nitty gritty details about how much you could borrow

How do I get my Motorcheck voucher?

There is 1 Motorcheck voucher per loan upon full approval of a Car Loan. The voucher is valued at €35, has no expiry date, is valid for one car history check only and cannot be redeemed for cash. Terms and conditions on


Check out our great rates

How much you repay depends on the amount you borrow and your interest rate depends on the age of the car you wish to purchase. Take a look at our competitive rates below to see what your monthly repayments could be.

Year Registered

Interest Rate - VariableAPR - VariableSample Loan AmountTotal Amount Payable over 5 YearsMonthly Payment Amount
2014 - 2016 8.50% 8.80% €10,000 €12,309.60 €205.16
2011 - 2013 8.90% 9.30% €10,000 €12,425.40 €207.09
2009 & 2010 9.90% 10.40% €10,000 €12,718.20 €211.97

APR stand for Annual Percentage Rate. Our personal loans have a variable rate which means that the rate can change from time to time. However, because variable rates can rise and fall, 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.

Read the nitty gritty details about rates

Car Loan Repayment Calculator

Loan amount
Term required
Year of car registration

Your Monthly Repayment

Representative APR (Variable):

Interest rate (Variable):

Total Cost of Credit:

Total Amount Repayable:

Important Information and Assumptions

  • This information is provided for illustrative purposes only.
  • Lending terms and conditions apply.
  • You must be over 18 to apply for a loan.
  • Security may be required.
  • Minimum loan amount €1,500, Maximum loan amount €75,000.
  • Terms range from one to 5 years.
  • Variable rates may be adjusted by permanent tsb from time to time.
  • The results are based on current offered rates for Car Loans. Rates available from 15th December 2014 but are subject to change.

Applying is easy

Applying is now easier than ever.  It’s another simple thing we are doing to make banking better.

  • Are you a permanent tsb customer? Log on to and apply now
  • Call us on 1890 500 165 and our team will take your application there and then
  • Drop in to any permanent tsb branch to chat with one of our advisors

If you are over 18 and living in the Republic of Ireland, all you need for your car loan application is:

Lending criteria, terms and conditions apply. Security may be required.