Whether it’s improving your home to make it more comfortable, planning your dream wedding, upgrading your car or investing in education – we’re here to help you make it happen.
*For loan amounts greater than €25,000 and up to €75,000 you can still apply online and we will call you back to discuss.
Our new, lower Personal Loan rates now start from just 5.99% - explore our full range of competitive rates available. You can find out how much you could borrow and what your repayments would be with our calculator. You can also check your eligibility and affordability before applying.
Calculate what your monthly repayments might be based on the amount you want to borrow in just a few clicks.
Calculate what your monthly repayments might be based on the amount you want to borrow.
Please tell us a little bit about your circumstances so we're able to better understand how much credit we're able to offer you.
Tell us about your incoming and outgoing finances, so we're able to better gauge how much you may be able to afford to pay back.
Based on the details you shared with us, you might be eligible and get approval for this loan.
This result is indicative only and will be confirmed following a full credit and affordability assessment.
Important information
If you borrow €25,000 and repay it over 5 years at an interest rate of 5.99%, your monthly repayments would be €483.20. These repayments are based on a 5-year variable interest rate *(APR 6.2%). The total cost of credit is €3,992.23, bringing the total amount repayable over the 5-year period to €28,992.23. 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 8.8%.
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.
Not all applications are the same and additional information may be required in certain circumstances for example, uploading your proof of PPSN through the app or desktop.
Apply online
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.
Minimum term 6 months (excluding online which is minimum 12 months) and maximum term 60 months (excluding where the purpose of the loan is for Home Improvements and loan amount is greater than €10,000, which is maximum 120 months or where the purpose of the loan is for a holiday which is maximum 12 months).
Branch applications from €1,500 up to €75,000 can be approved and drawn down, Monday to Friday 10am to 5pm, or drawn down through Open24 Online Banking or in the PTSB app if a sole application.
