Apply for consumer credit with us to finance the larger purchases in life. Consumer credit is available with or without collateral. Read about our consumer loans below and apply for one that best suits you.
FlexiCredit is an unsecured consumer loan for purchases costing over 2,000 euros. Apply for FlexiCredit online to get your price.
FlexiCredit is an unsecured consumer loan for purchases costing over 2,000 euros. Apply for FlexiCredit online to get your price.
A secured loan is a type of consumer credit designed for purchases of more than 15,000 euros. You can take out secured consumer credit if you have an asset to provide as collateral. You can use your home, holiday home or other assets as collateral.
Our debt consolidation loan is an easy way to move all of your consumer loans and hire purchase debt with other lenders to your own bank.
Having all your debt with one bank makes it easier for you to stay on top of your finances and entitles you to certain customer benefits. From us, you can get a consumer loan that meets your needs and that you can pay off at a pace that suits you. If you have a home loan from us or if you are our Premium Customer, we offer you consumer credit for a lower margin.
See FlexiCredit interest rate and prices
Our calculators make it easy for you to work out the amount of consumer loan and the repayment schedule that best suit your needs.
Get an estimate of how much you could borrow.
As a Nordea customer, you can move all of your consumer loans and hire purchase debt with other lenders to your own bank.
Figuring out which consumer loan is best suited to you depends on the amount you need to borrow and the purpose of the loan. The type of loan you choose will determine if you need to provide collateral for the loan and what your loan’s interest rate is.
It’s important that you can afford the loan payments and avoid stretching your budget too thin. Nordea is a responsible lender and we want to make sure that you can keep your finances healthy when we grant you a loan.
The total cost and terms of different loans can vary greatly. So it’s important to pick the right lender.
The positive credit register is a national register which stores information on private individuals’ loans and income (wages, pensions and benefits) in one place.
Struggling to repay your loan? If you’re worried about making your loan payments, we can help. Contact us as soon as possible and let’s work out the best solution for you together.
The interest rate on FlexiCredit consists of the reference interest rate (3-month Euribor) and a margin. The margin varies between 2.9% and 8.9% depending on whether you are entitled to some of our customer benefits.
You will see your price on the FlexiCredit application. Before sending us the credit application, we will show you the itemised costs of FlexiCredit based on the details you have filled in. Filling in the application does not commit you to anything – you can send it if you feel FlexiCredit is suitable for you.
| Premium Customers | Home loan customers | Other Nordea customers | |
| Interest rate margin | 2,90 % | 5,90 % | 8,90 % |
| Reference rate | Euribor 3 months | Euribor 3 months | Euribor 3 months |
| Opening fee | 0,00 € | 0,00 € | 0,00 € |
| Annual percentage rate, example calculation | Example calculation for Premium Customers | Example calculation for home loan customers | Example calculation for other customers |
Calculations for FlexiCredit drawn down after 1 September 2019.
The account management fee is no more than 12.50 euros a month. We don’t charge an opening fee, and you can also apply to top up your loan and make changes to your repayment schedule free of charge.
Calculation for consumer credits issued after 1.9.2019.
Nordea's FlexiCredit is a one-off loan and its interest is the 3-month Euribor quoted on the first banking day of the month in which the credit application is signed + a margin of 8.9%. With a nominal interest of 12.81% and a 83-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 17% (January 2024). The total sum of the credit and credit costs is 13,172.25 euros and the number of loan payments is 83. The opening fee for the loan is 0 euros. The calculation includes a monthly account management fee of 12.50 euros in the case of automatic debiting.
Nordea's FlexiCredit is a one-off loan and its interest is the 3-month Euribor quoted on the first banking day of the month in which the credit application is signed + a margin of 5.9%. With a nominal interest of 9.81% and a 73-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 13.8% (January 2024). The total sum of the credit and credit costs is 11,590.54 euros and the number of loan payments is 73. The opening fee for the loan is 0 euros. The calculation includes a monthly account management fee of 12.50 euros in the case of automatic debiting.
Nordea's FlexiCredit is a one-off loan and its interest is the 3-month Euribor quoted on the first banking day of the month in which the credit application is signed + a margin of 2.9%. With a nominal interest of 6.81% and a 66-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 10.6% (January 2024). The total sum of the credit and credit costs is 10,446.66 euros and the number of loan payments is 94. The opening fee for the loan is 0 euros. The calculation includes a monthly account management fee of 12.50 euros in the case of automatic debiting.
FlexiCredit is provided under the normal credit terms and conditions by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki, FI-00020 NORDEA.
There are many reasons to apply for consumer credit. From Nordea you can get unsecured or secured consumer credit that suits your needs perfectly.
If you’re planning to buy a car, apply for an unsecured or secured car loan that fits your needs.
Are you planning to remodel your home and need a home improvement loan? Read more about your options!
Cruise towards a boat loan if you’re looking to buy a new boat or trade in your old boat for a better one.
Would you like to spend your holiday in the peace and quiet of your own summer cottage? Apply for a holiday home loan that fits your needs – with or without collateral.
If you’re planning to buy a motorcycle or trade in your old one for a newer model, read more about our motorcycle loans.
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