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Calculate your debt consolidation loan

With Nordea's debt consolidation service you can transfer your credit and instalment debt from other providers under one credit with your own bank. We will help you to replace your current debt with one flexible and smart consolidation loan. The consolidation loan is granted as Nordea FlexiCredit.

Read more about FlexiCredit

Read more about debt consolidation

Fees for the consolidation loan

  • Our debt consolidation loan is granted as FlexiCredit, which is an unsecured loan.
  • Opening fee 0 euros. 
  • Account management fee 12.50 euros at maximum.
  • Interest rate for Premium Customers 3-month Euribor + 2.90%.
  • Interest rate for home loan customers 3-month Euribor + 5.90%.
  • Interest rate for other Nordea customers 3-month Euribor + 8.90%.

Consolidation loan

Example calculation

Calculation for consumer credits issued after 1.9.2019.

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.

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.

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.

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Personal customers