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Home Improvement Loan

Get online loan approval in minutes

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It’s time to bring your plans to life

Whether it’s creating more space for the kids to play in the new extension or hosting dinner parties in your new kitchen - you’ve imagined how it’ll all look when you’ve finished your dream home renovations. With a home improvement loan from PTSB, and online approval in minutes, you can make it all happen. 

Apply for a home improvement loan today and get funds into your account instantly.

Apply online now Call 0818 837 413

Our customers can get online loan approval in minutes

We’re here to help you finish what you started with online loan approval in minutes. 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 10 years. All applications are subject to a full credit assessment. 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.

Competitive rates

Whether it’s the perfect family kitchen, more space for the kids, or a new extension to make room for the whole family, we have a range of rates to suit. Find our easy to follow example below, and our full range of rates here.

Monthly repayments are based on a 5-year variable interest rate of *7.9% (APR 8.2%). Total cost of credit €3,205.20, total amount payable over a 5 year period is €18,205.20. This example is for illustration purposes only. 

*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 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.

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

Home improvement loan calculator

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Please fill in all the fields above to get started!

Loan approval in minutes

Apply online or call us on 0818 837 413 to speak directly to a member of our team.

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.

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