Start your holiday planning today. Get online approval, in minutes when you apply through the PTSB App, or Open24 Online Banking.
Try our calculator to find a loan to suit your needs. Whether you know what you want to borrow, or how much you can pay back each month, we've got you covered. See our examples below or discover our range of competitive Personal Loan Rates.
Monthly repayments are based on a 1 year variable interest rate of (APR 14.3%). Total cost of credit €185.12, total amount payable over a 1 year period is €2,685.12. This example is for illustration purposes only.
APR stands for Annual Percentage Rate. Our Personal 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. Maximum APR (Annual Percentage Rate) is 14.3%.
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.
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. If approved you can also draw down your funds online. To process your online loan application we will need a completed and electronically signed loan application, which can all be done online through the desktop version of Open24 on in-app.
Minimum loan term 6 months. Maximum loan term 5 years for Personal Loans. For approval online the minimum loan term is 1 year and 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:
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.
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See our guide on how to apply for a loan through the PTSB App or Open24 Online Banking.
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