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Cash Secured Loan

You could borrow up to the value of your savings, at a discounted rate!

Try our handy calculator

Borrow based on your savings

It can take a lot of time and effort to build up savings, so we understand you might be reluctant to use these while leaving no reserve for any future unexpected expenses.

So if you don't want to dip into your hard earned savings, but want to purchase a new car, or if you are considering improving your home, you can now make it happen and keep your savings.

Some features of our Cash Secured Loan

  • You may find it easier to repay a loan than replace savings.
  • You can continue to earn any future interest on your savings account.
  • You're not restricted to a particular loan purpose.
  • You won't spend your savings, as you may not withdraw the secured amount until your loan is repaid.

If you wish to leave your savings untouched and available for future needs, our Cash Secured Loan is a cost effective way to access funds.

Read the important information for the special conditions of the Cash Secured Loan.

Log in and apply


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.

Your interest rate will depend on the percentage of your loan you want to secure. The greater the level of security you provide, the lower the interest rate will be.

Our Cash Secured Loans have a variable rate which means that the rate can change from time to time under this credit agreement and your loan repayments could go up or down during the term of your loan.

Cash Secured % Interest Rate (variable) APR (variable) Sample Loan Amount  Total Amount Payable over 5 Years Monthly Payment Amount 
 25% Cash Secured  7.75%  8%  €10,000 €12,093.60  €201.56
 50% Cash Secured 7.25%  7.5%   €10,000 €11,951.40  €199.19 
 75% Cash Secured 6.75%  7%   €10,000 €11,809.80  €196.83 
 100% Cash Secured 6.25%  6.4%  €10,000  €11,669.40  €194.49 

Learn more about Annual Percentage Rate (APR)

Read the important information details about rates.

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.

Applying is easy

Applying is now easier than ever:

  • Are you a PTSB customer? Just log into Open24 Online Banking from your desktop or log in to our app and apply today 
  • Call us on 0818 837 414 or +353 1 212 4035.
  • Drop in to any branch to chat with one of our team.

Approval is subject to our lending criteria terms & conditions. Minimum loan amount €10,000 and maximum loan amount €75,000. Minimum term is 6 months and maximum term is 10 years.

What you will need

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

  • Proof of income 
  • Proof of ID 
  • Proof of Personal Public Service Number (PPSN), such as a Employment Detail Summary (P60)
  • Proof of address 

For more details on what may be needed, see our required documents page.

Cash secured calculator

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Help and Support

Need help? Our Help and Support section is full of useful information.

Savings Accounts

If you want to save regularly, then we have a savings account for you. Learn more about your saving options.

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