Flexibility with credit cards and consumer credit

Nordea credit cards

You can make the following changes in the Netbank under “Finances” or in the mobilebank by choosing the card you want to make changes to.

• Raise your credit limit
  
• Select instalment-free months for an existing or new credit card
• Change the due date of your invoice
• Change the monthly instalment percentage 
  For example, if you have 2,000 euros of outstanding credit, you will pay at least 60 euros a month with a monthly instalment of 3%.

You can raise your credit limit as well as change your instalment-free months and due date free of charge. A change to the instalment percentage is subject to a fee.  

Our tariff is available hereOpens new window.

MastercardNordea credit cards: Nordea Gold, Nordea Credit, Nordea Premium, Finnair Plus Mastercard, Stockmann Mastercard

FlexiCredit

An unsecured loan that allows you to

• apply for FlexiCredit conveniently in Nordea Mobile or in Netbank as Nordea's customer
  
• borrow between 2,000 and 50,000 euros and have the money in your account as soon as you have been granted the loan
• apply for a raise to the credit limit of your existing loan
• get a flexible repayment schedule between 1 and 10 years
• select two instalment-free months a year
• make extra repayments or pay off the entire loan whenever it suits you 

Apply for FlexiCredit online

Changes to FlexiCredit

Below you can find instructions for making some of the most common changes.

1. Raising your existing FlexiCredit In Nordea Netbank and Nordea Mobile by clicking the “Raise credit” button. Read the more detailed instructions on how to raise your credit here.
2. Instalment-free months for a new FlexiCredit: Select the instalment-free months of your choice on the FlexiCredit application when applying for credit.
3. Instalment-free months and a change of the monthly payment* and due date** on an existing credit: You can make the changes easily in Nordea Mobile.
4. Extra repayment: You can make an extra repayment by using the account number and reference number on your invoice.

These changes are free of charge.

*Reductions of the monthly payment are subject to a fee set in our tariff (5.00 euros).

** Subject to a fee (5.00 euros) if your next invoice has already been created.

Further details, terms and conditions and our tariff are available hereOpens new window.

Flexibility for Nordea Finance’s card and consumer credit customers

If you don't have Nordea access codes and need an instalment-free period for your Mastercard repayments, you can activate instalment-free periods in the OmaLuotto serviceOpens new window.

FeFlexibility for your car’s hire-purchase instalments

Due to the situation resulting from the coronavirus outbreak, you are entitled to either a three-month or a six-month instalment-free period for your hire-purchase finance, which will ease your monthly repayments.

Apply for an instalment-free periodOpens new window

Nordea Gold

If you need an extra buffer in your daily finances, as a Nordea Gold card holder you can

• get 30-day payment terms for your purchases on average with no interest charged
• apply for a raise to your credit limit up to 10,000 euros
• change the due date of your invoice
• get two instalment-free months a year
• determine your monthly repayment amount by making changes to the instalment percentage. The minimum instalment percentage (3% of the credit amount) gives you extra leeway – and you can always opt to pay more
• benefit from Product Safety Insurance if you pay for your purchases with the credit facility of your card 
• benefit from the insurance cover for trips abroad included in your card

Apply for a raise to your credit limit or make changes to your credit card in NetbankOpens new window