Borrow a lot or a little / Competitive interest rates
Please read the following important regulatory information about our personal loans
- Lending terms and conditions apply.
- You must be over 18 to apply for a loan.
- Security may be required.
- Minimum loan amount €1,500, Maximum loan amount €75,000.
- Terms range from one to ten years.
- 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 8.80%.
- Variable rates may be adjusted by PTSB from time to time.
- Additional fees may apply.
- The results are based on current offered rates for Personal Loans. Rates available from 17 September 2025 but are subject to change
We are obliged under the Credit Reporting Act 2013 to collect and verify your PPSN. PTSB will collect your PPSN for all credit applications of €500 or greater.
You will need to provide any one of the following documents as proof of your PPSN during your application:
- Payslip
- Notice of Tax Credits, Tax Assessment, current employment details summary.
- Medical Card / Drug Payment Scheme Card or European Health Insurance Card (EHIC) where the full PPSN is clearly visible.
- Correspondence from the Department of Social Protection or the Revenue Commission, addressed to you, clearly indicating your PPSN.
Please note: we cannot accept your Public Services Card as proof of PPSN
Proof of income requirements
- Salary Certificate
- Current employment details summary
- 2 of your most recent 3 payslips
- 6 months bank statements for your main personal current account
- If self employed you will also need to provide a minimum of 6 months business bank statements.
