Loans and consumer credit – Apply for a loan from the bank you know

Frequently asked questions about loans and consumer credit

How can I apply for a loan online?

You can apply for consumer credit, a student loan or a home loan online.

If you’re the customer of another bank, you can apply for a home loan on our website.

Can I apply for a loan from Nordea even though I am not yet a Nordea customer?

You don’t need to be a Nordea customer to apply for a home loan from us. To fill in the application, you will need to have online banking codes from a bank operating in Finland.

You can apply for FlexiCredit or a secured loan only if you are a Nordea customer. If you are not a Nordea customer, you can easily become our customer online.

Become a Nordea customer online

Who can apply for a loan from Nordea?

You can apply for a loan with us when

• you have a regular income, such as a salary or a pension
• you have a clean credit record
• your repayment ability is sufficient.

Additionally, there may be other criteria for obtaining various loans. Read more about our various loans and see their terms and conditions on the loans’ web pages.

How much can I borrow?

We take many factors into account when determining the amount of the loan you are eligible for. We will help you find the right loan amount that you can comfortably repay with your current income.

You can apply for unsecured FlexiCredit up to 50,000 euros or a secured loan for purchases exceeding 15,000 euros.

Try our loan calculators to determine the right loan amount, the repayment period and the total loan costs.

Test our loan calculators 

Can I get a short-term loan?

A short-term loan often refers to a one-off loan with a relatively short repayment period, for example less than one year.

You can apply for a short-term loan from Nordea. The loan can be either secured or unsecured, and you can pay it off early if you wish.

Read more about unsecured loans

Read more about secured loans

Where can I find more information on loan terms and conditions?

You can find the detailed loan terms and conditions on our website:

• Terms and conditions of a home loan
• Terms and conditions of FlexiCredit
• Terms and conditions of a secured loan

When is it worth it to take out a loan?

There are times when you may need some additional financing for a large purchase or project, such as buying a car or renovating your home, if you don’t have enough savings of your own. Additionally, it’s always wise to keep some buffer savings in case you’re faced with unexpected expenses or simply need to spend a little bit extra.

If you want to apply for a loan, you should calculate in advance how much you can repay each month. We don’t recommend taking out a loan if you’re already unsure whether you’ll be able to repay it. You also shouldn’t use a loan to cover your daily spending but instead cut your expenses so it matches your income.

Where can I get help in filling a loan application?

Our chatbot Nova is available to help you on our website as well as in Nordea Mobile and Netbank around the clock. Write your questions in the chat and Nova will find you the right answer and instructions. Nova is currently available in Finnish.

In the case of a home loan or secured loan, we will review your application in more detail in a meeting with you. Based on the application and your needs, we will give you a more precise proposal for a loan.