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PTSB Personal Loan: Check everything you need to know

PTSB Personal Loan: Check everything you need to know

06/14/2025
Maryella Faratro
PTSB Personal Loan: Check everything you need to know

Navigating the world of personal loans can often feel overwhelming, especially when you have a less-than-perfect credit score.

Fortunately, the Permanent TSB (PTSB) Personal Loan offers a lifeline to individuals even with adverse credit history.

This lending option is not only convenient but also designed to accommodate a diverse range of financial needs and situations, making it an inclusive choice for many borrowers in Ireland.

  • Available for individuals with negative credit history.
  • Fast online or in-app approval process from the comfort of your home.
  • Loans from €1,500 up to €75,000, with instant online approval up to €25,000.
  • Funds are transferred instantly upon approval.
  • Flexible loan terms ranging from 6 months to 10 years.
  • Option for larger loan amounts with a simple callback for discussions.

Whether youre planning a home improvement, buying a new car, or consolidating debt, the PTSB Personal Loan could be your key to achieving financial goals with ease.

Benefits of Opting for PTSB Personal Loan

Choosing the PTSB Personal Loan comes with a slew of advantages that make it stand out among other lending options, especially if youre facing credit challenges. Heres how it can benefit you:

Rapid Approval
PTSB offers an impressively fast approval process, available online or through their app, with decisions made in minutes.
Instant Fund Transfer
Once approved, you'll receive the funds instantly in your PTSB account, eliminating waiting times.
Flexible Loan Terms
Enjoy flexible repayment terms ranging from 6 months to 5 years, or even up to 10 years for home improvement loans.
Save & Borrow
With this unique option, customers can borrow up to four times their savings after saving for just six months.

Who Should Consider the PTSB Personal Loan?

The PTSB Personal Loan is accessible to a wide range of borrowers, designed to cater to both existing PTSB customers and new applicants facing credit issues:

  • Borrowers needing quick access to funds despite credit challenges.
  • Existing PTSB customers seeking a straightforward application process.
  • Individuals looking for flexible loan terms from 6 months up to 10 years.
  • Individuals needing a higher loan amount, up to €75,000.

If your goal is to find a personal loan with easy access and flexible features, then the PTSB Personal Loan is a fitting choice.

Pros and Cons of PTSB Personal Loan

When evaluating the PTSB Personal Loan, its essential to weigh the benefits against some of the limitations to determine if its the right fit for you:

Pros

  • Fast Online/In-App Approval

    The approval process is quick and can be completed entirely online or via the app, saving you time.

  • Instant Fund Transfer

    Once approved, funds are paid into your account immediately.

  • Flexible Loan Amounts and Terms

    Choose from a range of amounts and terms to suit your financial situation.


Cons

  • Account Requirement

    Funds need to be drawn down to a PTSB Current Account, which may require opening one if you dont already have it.

  • Non-Customer Application Process

    Non-customers must reach out through calling or visiting a branch, which might be less convenient than online application.

Why We Recommend the PTSB Personal Loan

At You With Credit, we understand the diverse financial needs of our readers, especially those dealing with credit challenges.

The PTSB Personal Loan offers a practical solution with competitive features.

  1. It provides accessible options for borrowers with negative credit history.
  2. The convenience of instant fund transfer caters to urgent financial needs.
  3. Flexible terms make it adaptable to various personal financial goals.

How to Apply for a PTSB Personal Loan

The application process is straightforward for both existing customers and new applicants.

Here is how you can apply:

Access the official website

  • For Existing Customers: Apply through the PTSB app or online using your Open24 account.
  • For Non-Customers: Visit a local PTSB branch or call for consultation on applying for a loan.

Frequently Asked Questions


How quickly can I get the money?

If approved online, the funds are transferred to your PTSB account instantly.


What are the loan amounts available?

Instant approval is available for loans between €1,500 and €25,000. For larger amounts up to €75,000, a follow-up call is required for approval.


Can non-customers apply for a PTSB Personal Loan?

Yes, non-customers can apply by contacting PTSB directly through a branch visit or phone call.


Final Considerations

The PTSB Personal Loan presents a viable option for those navigating the complexities of personal finance with the additional challenges of credit issues.

At You With Credit, we strive to provide nuances and insights into financial products that can open doors for our readers, enhancing their financial journeys.

Maryella Faratro

About the Author: Maryella Faratro

Maryella Faratro