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).

• Applying for FlexiCredit is easy in Nordea Mobile or Netbank. You can borrow between 2,000 and 50,000 euros alone or with a co-applicant who is at least 18 years old.
• To apply credit together with another applicant, you both need to have Nordea access codes.
• You can get a credit decision on your application instantly, but sometimes it may take a few days at the most.
• The FlexiCredit will be paid to your account once you have been granted the credit.
• You’ll get a repayment schedule that you can adjust later in Nordea Mobile or Netbank.
• 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.

• You will repay your FlexiCredit monthly in equal payments. You can choose a due date that suits you best. 
• FlexiCredit is granted for a period of 1–8 years. You can make overpayments or repay the entire loan at any time without any additional costs.
• You can adjust your repayment schedule in Nordea Mobile and Netbank.
• You can opt for two instalment-free months per year. You can select the instalment-free months yourself, but the two months cannot be consecutive.
• If you should need to borrow more later, you can apply to top up your FlexiCredit. We will set a new repayment schedule for the topped-up 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 FlexiCreditpdf - Opens new window for credits granted after 19.1.2024 
• Terms and conditions of FlexiCreditpdf - Opens new window for credits granted after 1.10.2023 
• Terms and conditions of FlexiCreditpdf - Opens 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 formpdf - Opens new window