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Personal Loan

Get online approval in minutes.

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Get your Personal Loan into your account instantly

Whether it’s sprucing up your home, planning your dream wedding or investing in your education – we’re here to help you make it all happen. Get approval online or in-app in minutes, and get your loan into your account instantly.

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Check out our rates

Try our easy-to-use calculator to find out the loan details specific to what you want to borrow or how much you would like to pay back each month. You can see our simple illustrative example below or our full range of our competitive Personal Loan rates here.

Monthly repayments are based on a 5-year variable interest rate of * (APR 12.5%). Total cost of credit €3,286.40, total amount payable over a 5 year period is €13,286.40. 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 in the future.

Benefits of a Personal Loan

  • Approval online or in-app in minutes for loans from €1,500 up to €25,000
  • Loan paid into your account instantly, if approved
  • Competitive rates
  • Flexibility repayment with terms of up to 5 years or 10 years for Home Improvement Loans
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Apply for a Personal Loan today

If you are a PTSB customer the easiest and quickest way to apply in-app or through your online Open24 account. For non-PTSB customers, give us a call or drop into a branch to talk to one of our team.

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 and 10 years for Home Improvement 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:

  • 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. 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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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

Personal loan calculator

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How much would you like to pay?

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Loan approval in minutes

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

Enhanced Customer Support

There are times in life when we are less able to cope with the everyday things.

Competitive Rates

We have a range of competitive rates, listed in an easy to read table here.

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