Boat loan - Get a flexible boat loan from Nordea!

The reference rate is the 3-month Euribor (when the credit relationship is established, the value of the reference rate is determined according to the quotation on the first banking day of the month in which the credit application is signed).

The credit margin is 2.9–8.9%, depending on the customer’s total banking volume (margins valid as of 16 January 2020).

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).

• FlexiCredit is unsecured consumer credit.
• When you apply for a loan online, you can get a loan decision immediately after you have filled in the loan application.
• The interest consists of the reference rate (3 month Euribor) and margin. In addition, the account management fee is charged monthly.
• The repayment schedule can be adjusted according to your life situation.
• You will find detailed information on the credit on the Standard European Consumer Credit Information form.
• The credit is granted by Nordea Finance Finland Ltd.

1. Log into Netbank with the Nordea ID app.
2. If you are on the Netbank home page, go the Loans tab.
3. Fill in the loan application and send it.
4. You will receive the credit decision quickly, and after a favourable decision the money will be paid right away to the Nordea account you have indicated to us.

FlexiCredit, like its name implies, is a flexible form of credit. You can always keep track of your credit in Nordea Netbank and Nordea Mobile.

• The repayment schedule is flexible and you can change the monthly payment according to your repayment capacity.
• You will repay the credit monthly in equal payments. You can choose the monthly due date that is best for you.
• There is an option for two instalment-free months per year. You can choose any two months to be instalment-free as long as they are not consecutive months. 
• The minimum loan period for FlexiCredit is 1 year and the maximum is 8 years. If you wish, you can pay extra instalments or pay back the entire credit in one go. You will incur no additional fees for repaying the credit early.
• You can also apply for a credit raise if you need more FlexiCredit later on. We will set a new repayment schedule for the raised amount.

FlexiCredit is granted on normal credit terms. You are eligible for FlexiCredit if you are 18 years or older, live permanently in Finland, have regular income and a clean credit report.

Further information in the agreement:

• Terms and conditions of FlexiCreditOpens new window for credits granted after 19.1.2024 
• Terms and conditions of FlexiCreditOpens new window for credits granted after 1.10.2023 
• Terms and conditions of FlexiCreditOpens new window for credits granted 31.8.2019-30.9.2023 

To make comparing easier, the applicant has the right to receive the key information on the credit on a Standard European Consumer Credit Information form before signing the credit agreement. The information on the form may be calculated with the details given by the customer or on typical values. The form on this page is calculated with typical values, which means that a typical euro amount for this credit type is applied.

The form specifies the lender's contact information, the main features of the credit product, the costs, other important legal aspects and, if needed, the additional information required for distance selling. The information on the form may be binding or unbinding on the lender. A binding form requires a positive credit decision. 

You will find detailed information on the credit on the Standard European Consumer Credit Information formOpens new window