The online application process only takes a couple of minutes. If you are approved you can electronically sign your loan agreement online and transfer the funds directly to your PTSB account.
For online application, things to note:
If you require a loan that doesn’t fit with the above criteria you can still apply by calling Open24 on 0818 212 168 or +353 1 215 1355
In order to complete an application, you’ll need to have your annual income details to hand plus information of all your existing commitments such as loans, credit cards and overdrafts.
In addition, you will need to provide us with your PPSN (Personal Public Service Number). Then if you are approved you will need to provide us with one of the listed documents under Acceptable Verification Documents to verify your PPSN.
PTSB are obliged under the Credit Reporting Act 2013, to collect and verify your PPSN. PTSB will collect your PPSN for all credit applications of €500 or greater. Please note we cannot accept your Public Services Card to verify your PPSN.
If we already have your PPSN on file, you will not have to provide it to us again.
You’ll also need Adobe PDF Reader to view your loan documentation at the end of the application.
You can apply for a loan online through Open24 and get approval in minutes.
You can borrow any amount between €1,500 and €75,000 subject to lending criteria, terms and conditions. For amounts above €25,000 one of our advisors will contact you to go through your application.
You can choose a term between 1 and 10 years, depending on your purpose.
If approved you electronically sign your loan agreement online. You then have instant access to the funds and can draw down the funds into your account immediately or any time within 90 days.
We offer competitive rates. How much you repay depends on the amount you borrow.
APR is annual percentage rate. The rate is variable so this means your rate can go up and down.
Warning: If you do not meet 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 arrangement in the future.
Lending criteria, terms and conditions apply. Permanent TSB plc trading as PTSB and PTSB Asset Finance is regulated by the Central Bank of Ireland.
Calculate what your monthly repayments might be based on the amount you want to borrow in just a few clicks.
For amounts above €25,000 one of our advisors will call you back to go through your application.
Calculate what your monthly repayments might be based on the amount you want to borrow in just a few clicks.
Please tell us a little bit about your circumstances so we're able to better understand how much credit we're able to offer you.
Tell us about your incoming and outgoing finances, so we're able to better gauge how much you may be able to afford to pay back.
Based on the details you shared with us, you might be eligible and get approval for this loan. This result is indicative only and will be confirmed following a full credit and affordability assessment to be completed through the application process.
Important information & assumptions