Skip menuLog in to Nordea NetbankLog in to Nordea Business

Calculate the right amount of FlexiCredit and apply for it

Our FlexiCredit calculator makes it easy for you to calculate the amount of consumer loan and monthly payment that best suit your needs. 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 Euribor 3-month. You can check your price and the Euribor rate 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 from the FlexiCredit application

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 your price

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 11.36% and a 78-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 15.5% (March 2025). The total sum of the credit and credit costs is 12,354.70 euros and the number of loan payments is 78. 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 8.36% and a 69-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 12.2% (March 2025). The total sum of the credit and credit costs is 11,001.46 euros and the number of loan payments is 69. 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 5.36% and a 63-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 9.1% (March 2025). The total sum of the credit and credit costs is 9,997.47 euros and the number of loan payments is 63. 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