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Home decoration loan

Home decoration determines the appearance of your home and contributes to your comfort at home. If you are looking for a more comfortable sofa, a wider bed or a new entertainment centre, apply for FlexiCredit.

Apply for FlexiCredit online

Nordea’s FlexiCredit will enhance your home comfort

If rearranging the furniture is not enough for you to upgrade your home, today is the right time for more drastic measures. Replacing the corner stones of your home, such as the sofa or the bed, with new ones will change the feel of your home.

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.

FlexiCredit calculator

Our loan calculator can help you determine the FlexiCredit amount and monthly payment that will suit you best.

Home decoration loan without security

  • The credit amount can be from 2,000 euros up to 50,000 euros. You can apply for a loan online with Nordea's access codes. 
  • A credit can be granted to one or two applicants having reached the age of 18.
  • The money will be paid to your account after you have been granted the loan (Mon-Sun 7-22.30).
  • 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.

Applying for FlexiCredit and raising the credit limit

Applying for a new FlexiCredit

You can apply for FlexiCredit without any hassle through Nordea’s self-service channels.

  1. Use our FlexiCredit calculator to find out the most suitable credit amount for your finances.
  2. Sign in to the credit application with your online banking codes at Nordea.fi or in Nordea Netbank or Nordea Mobile.
  3. Fill in the FlexiCredit application and send it.
  4. You will receive the credit decision quickly, and the money will be paid right away to your account.

Raising an existing FlexiCredit limit

You can apply for a raise to your FlexiCredit through Nordea’s self-service channels if you can see the ‘Raise credit’ link in connection with your current FlexiCredit. If the link is not shown, you can apply for a raise by calling Nordea Customer Service.

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 here.

Prices

Reference rate and prices

Most common prices for consumer credits from 1.9.2019.

Benchmark interest rate 3-month Euribor (quoted 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. 

Reference rate and prices
ItemisationPrice

Margin, normal price

Margin, mortgage customers

Margin, Premium customers

8,90 %

5,90 %

2,90 %

Opening fee0,00 €
Raising fee0,00 €
Account management fee0,01% per day calculated from granted credit, max. 12,50 € per month
Costs for written statements17 €/every beginning hour
Copies of receipts and invoices per copy10,00 €
One-time change of due date after billing5,00 €
Permanent change of due date5,00 €
Balance or interest statement on request10,00 €
Payment reminder5,00 €
Prices before 1.9.2019
Terms and conditions
Consumer credit

Reference rate and prices

Most common prices for consumer credits from 1.9.2019.

Benchmark interest rate 3-month Euribor (quoted 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. 

Reference rate and prices
ItemisationPrice

Margin, normal price

Margin, mortgage customers

Margin, Premium customers

8,90 %

5,90 %

2,90 %

Opening fee0,00 €
Raising fee0,00 €
Account management fee0,01% per day calculated from granted credit, max. 12,50 € per month
Costs for written statements17 €/every beginning hour
Copies of receipts and invoices per copy10,00 €
One-time change of due date after billing5,00 €
Permanent change of due date5,00 €
Balance or interest statement on request10,00 €
Payment reminder5,00 €

Reference rate and prices before 1.9.2019

Reference rate and prices for loans issued before 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).

Prices before 1.9.2019
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 €
Lengthening of repayment time, over 14 days5,00 €
Balance or interest statement on request10,00 €
Payment reminder5,00 €

Standard European Consumer Credit Information

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, 114 KB)

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 8.4% and a 107-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 12,1% (April 2022). The total sum of the credit and credit costs is 12 792,90 euros and the number of loan payments is 107. 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 5.4% and a 92-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 9,1% (April 2022). The total sum of the credit and credit costs is 10 968,25 euros and the number of loan payments is 92. 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 2.4% and a 81-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 6% (April 2022). The total sum of the credit and credit costs is 9 707,58 euros and the number of loan payments is 81. 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.

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