Car Loan

Approval today.
Drive away tomorrow!

Full Approval in 3 hours

We all know that families grow. Cars? Not so much. If you’ve outgrown the family car, why not talk to us today about a simple and straightforward car loan. We even offer full approval in just 3 hours. So you can apply for your car loan today, and drive away tomorrow! 

  • Full approval in just 3 hours 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.
  • Borrow anything from €1,500 to €75,000 based on lending criteria, terms range from 1 to 5 years.
  • 100% finance and no balloon payments.
  • Free car history check with full approval on
  • No additional mileage restrictions unlike some Hire Purchase/Personal Contract Plans.
  • Your Car Loan rate depends on the age of the car you wish to purchase, but your car must be registered in 2009 or later. 
  • You must also show us verification that you are buying your car from a Society of Irish Motoring Industry (SIMI) registered dealer. 
  • Of course if you are not buying from a SIMI registered dealer or your dream car is older than 2009, you can avail of our competitive Personal Loan rates. 

How does it work?

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

One Motorcheck voucher per loan on 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 apply.

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

Read the nitty gritty details about how much you could borrow

Check out our great rates

How much you repay depends on how much you borrow – take a look at our competitive rates below to see what your monthly repayments would 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.