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Use our car loan calculator to help you determine a suitable car loan

Our car loan calculator lets you choose an unsecured car loan amount and monthly payment that suit you best. It also tells you the repayment period for the chosen loan amount.

The calculator gives you an indicative calculation based on the interest margin for home loan customers 5,90 % and 3 % euribor. You can check your price and the euribor rate on the FlexiCredit application.

Check the total cost from the FlexiCredit application

An unsecured car loan is granted as a FlexiCredit. The price for FlexiCredit is composed by the interest rate margin, reference rate (Euribor 3-month) and the account management fee.

  • Interest rate margin for Premium Customers 2,90 %
  • Interest rate margin for home loan customers 5,90 %
  • Interest rate margin for other Nordea customers 8,90 %

Check out all the car loan options

Unsecured car loan

Our customers can get an unsecured car loan (FlexiCredit) of 2,000 to 50,000 euros for up to 8 years with no opening fee.

Read more about FlexiCredit

Secured car loan

A secured car loan is a cheaper alternative when you need to borrow more than 15,000 euros and can provide collateral to back up the loan.

Read more about secured loans

Autoleasing – a carefree way to drive

Autoleasing is Nordea’s long-term car leasing service, which enables you to lease a car by making fixed monthly payments covering maintenance, repairs, tyres and more. 

Lue lisää autoleasingistä

Buy a car through hire purchase

With hire purchase from Nordea Finance, you can buy a new or a used car from a dealership by making fixed monthly payments.

Read more about hire purchase

Example calculation for FlexiCredit

Calculations for consumer credits issued after 1.9.2019.

Example calculation for Nordea's personal customers
Example calculation for Nordea's Premium customers
Example calculation for Nordea's mortgage customers

Example calculation for Nordea's personal customers

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.

FlexiCredit is provided under the normal credit terms and conditions by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki, FI-00020 NORDEA.

Example calculation for Nordea's Premium customers

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.

Example calculation for Nordea's mortgage customers

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.

FlexiCredit is provided under the normal credit terms and conditions by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki, FI-00020 NORDEA.

Need help?

Personal customers