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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.
  • The motorcycle loan will be paid to your account after your credit application is approved (Mon–Sun 7.00–22.30).
  • 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 at Nordea.fi or in Nordea Netbank or Nordea Mobile using your Nordea online access codes. The motorcycle loan is granted as a FlexiCredit.

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.
  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 at Nordea.fi or in Nordea Netbank or Nordea Mobile.
  3. Fill in the loan application and submit it.
  4. 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
Repayment
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).

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 päivä laskettuna myönnetyn luoton määrästä, enintään 12,50 € kuukaudessa
Costs of written investigations17 € / alkava tunti
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 €

General information

  • FlexiCredit is unsecured consumer credit.
  • When you apply for a loan online, you can get a loan decision immediately after you have filled in the loan application.
  • The interest consists of the reference rate (3 month Euribor) and margin. In addition, the account management fee is charged monthly.
  • 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.

Flexible repayment schedule

FlexiCredit, like its name implies, is a flexible form of credit. You can always keep track of your credit in Nordea Netbank and Nordea Mobile.

  • The repayment schedule is flexible and you can change the monthly payment according to your repayment capacity.
  • You will repay the credit monthly in equal payments. You can choose the monthly due date that is best for you.
  • There is an option for two instalment-free months per year. You can choose any two months to be instalment-free as long as they are not consecutive months. 
  • The minimum loan period for FlexiCredit is 1 year and the maximum is 10 years. If you wish, you can pay extra instalments or pay back the entire credit in one go. You will incur no additional fees for repaying the credit early.
  • You can also apply for a credit raise if you need more FlexiCredit later on. We will set a new repayment schedule for the raised 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 12.81% and a 83-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 17% (January 2024). The total sum of the credit and credit costs is 13,172.25 euros and the number of loan payments is 83. 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 9.81% and a 73-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 13.8% (January 2024). The total sum of the credit and credit costs is 11,590.54 euros and the number of loan payments is 73. 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 6.81% and a 66-month loan period, the annual percentage rate of charge on a FlexiCredit of 8,000 euros is 10.6% (January 2024). The total sum of the credit and credit costs is 10,446.66 euros and the number of loan payments is 94. 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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