Garden loan - unsecured credit

If you are dreaming of a new terrace, new plants for your garden or a riding mower, let FlexiCredit fulfil your dreams.

Credit without security

FlexiCredit is a handy solution when you want to realise your plans and need consumer credit quickly. The credit amount can be from 2,000 euros up to 50,000 euros. FlexiCredit is an unsecured loan, which can be raised later, if needed.

  • You can apply for a loan online with Nordea's access codes or with other banks' online banking codes. The money will be paid to your account after you have been granted the loan (Mon-Sun 7-22.30).
  • 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.

Nordea’s FlexiCredit will make your garden plans a reality

In your own garden, you can fulfil yourself and let creativity run wild. Give your ideas a chance and realise your plans today.

Nordea’s FlexiCredit is a handy solution when you want to realise your plans and need consumer credit quickly. You can have credit from 2,000 euros to 50,000 euros. FlexiCredit is an unsecured one-off loan, which can be increased later, if needed.

Prices

Reference rate and prices

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%.

ItemisationPrice
Opening fee, credit amount EUR 2,000–5,000125,00 €
Opening fee, credit amount EUR 5,001–12,000175,00 €
Opening fee, credit amount over EUR 12,000200,00 €
Opening fee, credit amount over EUR 25,000300,00 €
Account management fee per month, automatic debiting4,50 €
Account management fee per month, e-invoice4,50 €
Account management fee per month, without automatic debiting7,00 €
Copies of receipts and invoices per copy10,00 €
Raising fee100,00 €
Change in repayment schedule17,00 €
Balance or interest statement on request10,00 €
Payment reminder5,00 €
Features
How to apply
Repayment
Terms and conditions
Consumer credit

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 online

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Secured consumer credit

Consumer credit with security could be the right solution for you if you have available security, such as a home of your own, or the loan amount exceeds 50,000 euros. This is an affordable option for larger loan needs and for the acquisition of consumables.