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Car Loan

Get your plans for a new car on the road today

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Start your journey today with online approval in minutes.

Imagining the car journeys you’ll take in your new car? Whether it’s your first car or you want to upgrade to something newer, with a car loan from PTSB, and online approval in minutes, you can stop imagining your journeys, and start taking them.

Apply Online Call 0818 502 424

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.

To avail of Car Loan rates, the car you wish to purchase must be registered no more than seven years prior to the current year. If your dream car is more than seven years old you can avail of our competitive Personal Loan rates.

*Interest rates reflect loan amount required, try our calculator to show rates and repayments that reflect what you need or view our list of Competitive Rates with example amounts. Our Home Improvement 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. APR stands for Annual Percentage Rate.

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.

Benefits of a Car Loan

  • You own your car from the start
  • 100% finance available with no deposit required
  • No arrangement or documentation fees
  • Grants available for the move to electric
  • Approval online or in-app in minutes for loans from €1,500 up to €25,000
Apply Online

Apply for a Car Loan today

If you are a PTSB customer the easiest and quickest way to apply in in-app or through your online Open24 account. For non-PTSB customers, give us a call or drop into a branch to talk to one of our team

Online approval in minutes 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.

Minimum loan term of 6 months for in-branch applications, with a minimum loan term of 1 year for in-app and online applications. The maximum loan term is 5 years. All applications are subject to a full credit assessment. Lending criteria, terms and conditions apply. Over 18s only.

To get online loan approval in minutes, and have your funds paid into your account instantly you must:

  • Have a Current Account with us
  • Have your salary paid into this account
  • Be registered for Open24 Online Banking

Please note: Your loan funds can only be drawn down to a PTSB Current Account. The account from which you wish to pay back your loan must be a PTSB Current Account and your loan can only be taken out in your sole name. If approved, electronically sign the agreement online and transfer the funds into your account instantly, or any time over the next 90 days.

If the year of the car you buy has changed, or changes during the application, please contact us on 0818 837 412 or +353 1 212 4027 before you drawdown, so we can ensure you’re on the correct interest rate.

Apply Online

What about eligibility?

If you’re a PTSB customer:

You will need to be registered for Open24 online banking, or have the PTSB app to apply in-app. If your application is approved, you will then need to submit proof of Personal Public Service Number (PPSN) if we do not have this on file – see here for acceptable documents.

If you’re not registered for Open24, give us a call and we’ll help set you up.

If you’re new to PTSB:

Call us on 0818 837 413 or +353 1 212 4027 and our team will take your application over the phone, or you can always drop into any PTSB branch to chat with one of our team.

Additional information

If your main bank account is not with PTSB, 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

Please note: Not all applications are the same and additional information may be required in certain circumstances.

Apply Online Call 0818 837 413

Car loan calculator

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Competitive rates

We have a range of competitive rates, listed in an easy to read table.

Enhanced Customer Support

There are times in life when we are less able to cope with the everyday things.

Assets we finance

Find out what equipment, machinery and vehicles we finance.

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