FlexiCredit gives you flexibility

Dreaming of a new car, a boat, new furniture or a holiday trip? Apply for FlexiCredit and realise your future dreams already today.

FlexiCredit

FlexiCredit is an unsecured one-off credit, which can be raised later, if needed. The credit amount can be from 2,000 euros up to 50,000 euros, so it suits both small and larger purchases.

  • You will receive the credit decision quickly, and after a favourable decision the money will be paid to the Nordea account you have indicated to us right away (Mon-Sun 7-22.30).
  • When the credit amount exceeds 25,000 euros you can submit a loan application by calling Nordea Customer Service or at a branch.
  • A credit can be granted to one or two applicants having reached the age of 18.
  • The repayment schedule is flexible and the loan period can be adjusted to your payment capacity.
  • You will repay the credit monthly in equal payments.
  • There is an option for two instalment-free months a year.
Features

General information

  • You can have 2,000 - 25,000 euros of FlexiCredit.
  • You can submit a loan application in Netbank, at a branch or by calling Nordea Customer Service and identifying yourself with Nordea access codes.
  • When the credit amount exceeds 25,000 euros you can submit a loan application by calling Nordea Customer Service or at a branch.
  • By making the application in Netbank, you can obtain a credit decision immediately during the Netbank session. At a branch you can get a credit decision right away and from Customer Service during the call.
  • After a favourable credit decision, the money will be paid to your account immediately (Mon - Sun 7.00 - 22.30).
  • The interest consists of the reference rate (3-month Euribor), a margin, an opening fee and an account management fee.
  • As FlexiCredit is an unsecured one-off loan, you do not need any separate security.
  • 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.
Repayment
Prices
Terms and conditions
Consumer credit
How to apply

Example calculation

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 8.0%. With a nominal interest of 7.67% and a 60-month loan period, the annual percentage rate of charge on a FlexiCredit of 5,000 euros is 11.3% (April 2018).

The total sum of the credit and credit costs is 6,435 euros and the number of loan payments is 60. The calculation includes an opening fee of 125 euros and a monthly account management fee of 4.50 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.

Apply for FlexiCredit in Netbank

Apply now Opens new window