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

Our car loan calculator lets you calculate the amount of an unsecured car loan, a suitable monthly payment amount and the loan period. 

The cost estimate provided by the calculator is based on the interest rate margin 5,90 % given to home loan customers and the 3-month Euribor rate. You can see your quote and the Euribor rate of the day on the FlexiCredit application.

Read more about Euribor rates

Please also note that the purpose of the calculator is to provide an indicative example of the amount of the monthly payment and the loan period. You will find the more precise details on the FlexiCredit application.

Check the total cost on the FlexiCredit application

An unsecured car loan is granted as FlexiCredit. The cost of the FlexiCredit consists of the interest rate margin, the reference rate (3-month Euribor) 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 %

Read more about FlexiCredit

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 12.37% and a 81-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 16.6% (September 2024). The total sum of the credit and credit costs is 12,890.74 euros and the number of loan payments is 81. 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 6.37% and a 65-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 10.2% (September 2024). The total sum of the credit and credit costs is 10,300.53 euros and the number of loan payments is 65. 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 9.37% and a 72-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 13.3% (September 2024). The total sum of the credit and credit costs is 11,398.89 euros and the number of loan payments is 72. 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.

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Personal customers