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We’re here to help you finish what you started

We know that you can get so excited about your plans that it can be hard to get them finished. So whether it’s creating more space for the kids or making the home office of your dreams, PTSB is here to help you finish what you started with a home improvement loan. That’s permanent support.

You can get approval online or in-app in minutes, and get your loan into your account instantly for loans up to €25,000. So you can spend less time sorting out your finances and more time making your house a home.

Why take out a Home Improvement Loan with us?

  • Approval online or in-app in minutes for loans from €1,500 up to €25,000
  • Payment into your account instantly
  • Competitive rates
  • Flexibility to repay your loan with terms of up to 10 years

How does online approval in minutes work?

  • If you’re a PTSB customer you can apply for a Home Improvement Loan in-app or through the desktop version of Open24 Online Banking and get approval in minutes
  • If approved you electronically sign your loan agreement online. You can then transfer your funds directly into your account instantly or at any time over the next 90 days
  • 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 advisors will call you back to discuss your application. If approved you can also draw down your funds online

To get online loan approval in minutes, and have your funds paid into your account instantly, you must be registered for Open24 Online Banking, have a Current Account with us, and have your salary paid into this account. 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. 

Minimum loan term 6 months. Maximum loan term 10 years. For online approval in minutes the minimum loan term is 1 year and the maximum loan term is 5 years.

Your application will be subject to a full credit assessment. Lending criteria, terms and conditions apply. Over 18s only.

Check out our great rates

Available Loan Amounts Interest Rate (variable) APR (variable) Sample Loan Amount Total Cost of Credit Total Amount Payable over 5 Years Monthly Payment Amount
€1,500 - €6,999 13.4% 14.3% €5,000 €1,887.40 €6,887.40 €114.79
€7,000 - €9,999 11.8% 12.5% €7,500 €2,464.20 €9,964.20 €166.07
€10,000 - €19,999 7.9% 8.2% €10,000 €2,136.80 €12,136.80 €202.28
€20,000 + 7.9% 8.2% €20,000 €4,274.20 €24,274.20 €404.57

APR stands for Annual Percentage Rate. 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.

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.

What is the Home Renovation Incentive (HRI) Scheme?

The Home Renovation Incentive (HRI) scheme was announced in Budget 2014. It provides tax relief for homeowners by way of an income tax credit of 13.5% of qualifying expenditure (€4,405 - €30,000) on repair, renovation or improvement works carried out on a main home by qualifying contractors. 

Find out more about this scheme on

How to apply

  • If you're a PTSB customer just log into our app or Open24 Online Banking from your desktop and apply today
  • If you’re not registered for Open24 or you’re not a PTSB customer you can call us on 
    1890 837 413 or +353 1 212 4027 and our team will take your application; or
  • You can drop into any PTSB branch to chat with one of our advisors

To process your application we'll need the following:

  • A completed and electronically signed loan application, which can all be done in-app or through the desktop version of Open24 Online Banking. If your main bank account is with PTSB, this is all we should need
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 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

See our required documents page for full details.

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

Ideal Home Show

Looking to buy, build or renovate your ideal home? Then come visit us at stand N60 at the PTSB Ideal Home Show in the RDS, Dublin, from Friday 22 to Monday 25 October.

Home improvement loan calculator

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Credit Cards

Our ICE Visa Credit Card really is a more flexible way to pay, whether you're shopping online or on the high street you'll get all the great benefits.

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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