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Finance your motorcycle with an unsecured motorcycle loan

The motorcycle loan is granted as a FlexiCredit, and you can raise the amount later if you need to.

  • Get a motorcycle loan from 2,000 euros up to 50,000 euros without an opening fee.
  • Apply for a motorcycle loan easily online using your Nordea online access codes.
  • We will process your motorcycle loan application quickly. You will, in most cases, get the decision instantly or in a few days at the latest.
  • The motorcycle loan is granted for a period of 1 to 8 years. However, you can pay extra instalments or repay the entire credit at any time without any additional fees. 
  • You will repay the motorcycle loan monthly in equal payments on the due date of your choice. The loan period can be adjusted to your repayment ability. 
  • There is an option for two instalment-free months per year.
  • The loan can be granted to one applicant or jointly to two applicants aged 18 or over.

How to apply for an unsecured motorcycle loan

Applying for a motorcycle loan or raising the loan amount is easy online. Fill in the loan application in Nordea Netbank or Nordea Mobile.

Applying for a motorcycle loan:

  1. Use our loan calculator to find out which loan amount suits your finances the best. You can move to the loan application directly from the calculator. Try the loan calculator
  2. If you do not want to use the calculator, you can go straight to the application by logging in with your access codes. The loan application is available in Nordea Netbank or Nordea Mobile under Services > Loans > FlexiCredit > Apply for FlexiCredit..
  3. You will get a loan decision quickly and the money will be paid to your account right after your loan application is approved.
Prices
Prices before 1.9.2019
Features
Flexible repayment schedule
Terms and conditions
Consumer credit

FlexiCredit – Rates and prices

Most common fees related to consumer loans drawn down after 1 September 2019

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).

0,01% per day calculated from granted credit, max. 12,50 € per month17 €/every beginning hour
Rates and prices
ItemPrice

FlexiCredit margin, normal price

FlexiCredit margin, home loan customers

FlexiCredit margin, Premium Customers

8.90 % 

5.90 %

2.90 %

Opening fee0,00 €
Raising fee
0,00 € 
Account management fee0,01% per day calculated from granted credit, max. 12,50 € per month
Costs of written investigations17 €/every beginning hour
Copies of receipts and invoices, per copy
10,00 €
Change of due date if the invoice has already been generated0,00 €
Change in repayment schedule
0,00 €
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 days0 €
Balance or interest statement on request10,00 €
Payment reminder5,00 €

Applying for FlexiCredit

  • Applying for FlexiCredit is easy in Nordea Mobile or Netbank. You can borrow between 2,000 and 50,000 euros alone or with a co-applicant who is at least 18 years old.
  • To apply credit together with another applicant, you both need to have Nordea access codes.
  • You can get a credit decision on your application instantly, but sometimes it may take a few days at the most.
  • The FlexiCredit will be paid to your account once you have been granted the credit.
  • You’ll get a repayment schedule that you can adjust later in Nordea Mobile or Netbank.
  • The credit is granted by Nordea Finance Finland Ltd.

Repaying your FlexiCredit

  • You will repay your FlexiCredit monthly in equal payments. You can choose a due date that suits you best. 
  • FlexiCredit is granted for a period of 1–8 years. You can make overpayments or repay the entire loan at any time without any additional costs.
  • You can adjust your repayment schedule in Nordea Mobile and Netbank.
  • You can opt for two instalment-free months per year. You can select the instalment-free months yourself, but the two months cannot be consecutive.
  • If you should need to borrow more later, you can apply to top up your FlexiCredit. We will set a new repayment schedule for the topped-up amount.

Terms and conditions

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:

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

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 11.36% and a 78-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 15.5% (March 2025). The total sum of the credit and credit costs is 12,354.70 euros and the number of loan payments is 78. 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 8.36% and a 69-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 12.2% (March 2025). The total sum of the credit and credit costs is 11,001.46 euros and the number of loan payments is 69. 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 5.36% and a 63-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 9.1% (March 2025). The total sum of the credit and credit costs is 9,997.47 euros and the number of loan payments is 63. 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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