FlexiCredit – apply for a loan without collateral

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).

The reference rate is the 3-month Euribor (at the beginning of the credit relationship, the value of the reference rate is determined using the rate valid on the first banking day of the month in which the credit application is signed).

The credit margin is determined according to our tariff that was valid at the time.

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 FlexiCredit (pdf 238 KB) for credits granted after 22.6.2026 
• Terms and conditions of FlexiCredit (pdf 195 KB) for credits granted after 26.2.2026 
• Terms and conditions of FlexiCredit (pdf 244 KB) for credits granted after 19.1.2024 
• Terms and conditions of FlexiCredit (pdf 177 KB) for credits granted after 1.10.2023 
• Terms and conditions of FlexiCredit (pdf 165 KB) 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 form (pdf 104 KB)

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 10.975% and a 76-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 15.0% (April 2026). The total sum of the credit and credit costs is 12,143.07 euros and the number of loan payments is 76. 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 Value 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 7.975% and a 68-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 11.8% (April 2026). The total sum of the credit and credit costs is 10,853.02 euros and the number of loan payments is 68. 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 4.975% and a 62-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 8.7% (April 2026). The total sum of the credit and credit costs is 9,880.13 euros and the number of loan payments is 62. 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.

You can cancel a loan by notifying us within 14 days of the date on which you received the loan agreement.

You can find the cancellation function in Nordea Mobile and Netbank under “Manage loan” in the loan details. Include the number of the loan you wish to cancel in the request, and if you have drawn down any of the loan, state the repayment date and the debiting account.