Secured consumer credit

If you have available collateral, a secured consumer credit is an affordable alternative for larger purchases. You can use your home, holiday home or other assets as security.

For financing larger purchases

A secured consumer credit is flexible and inexpensive solution when you are planning to buy a car, a boat or a caravan or to make some other larger one-off purchase.

Consumer credit with security could be right solutions if you have available security. You can apply for a loan at your nearest Nordea branch or book appointment via our chat service or by calling Nordea Customer Service.


As security for your loan, you can use your home equity or other available security. We will negotiate the repayment schedule, monthly payment and due date together - according to your wishes and life situation.


You can apply for a loan amount that suits your repayment capacity at your nearest Nordea branch or by calling Nordea Customer Service to book an appointment.  

The loan costs  consists of a margin, reference rate and management fees.


You will need sufficient collateral for the loan. As security for your loan, you can use your home equity or other available security. Consider the use of security case by case and consult our experts to reach the best possible solution.

Secure the repayment of your loan

With Nordea MyLife personal insurance you can secure the repayment of your loan even if your income level decreased due to unemployment, disability or a serious illness, for example.


We will draw up a repayment schedule that suits your life situation. The repayment method will affect the interest expenses accruing during the loan period. You can repay the loan monthly in equal instalments, equal payments or fixed equal payments.

The choice of the repayment method depends on many things, such as whether you want to pay the same amount every month or whether you prefer paying off the loan within a specific time period.


Prices after 1.9.2019

Most common prices for secured consumer credits

Prices for loans issued after 1 September 2019.

Advance notice of loan debiting by letter or through Netbank0,00 €
Monthly agreement fee
6,00 €
Payment reminder to borrower, guarantor or third-party pledger (per reminder)5,00 €
Transfer of a loan to another bank upon customer's request. Charged to the receiving bank.*120,00 €
Certificates requested by the customer stating the amount of debt and paid interest (incl. postage)10,00 €
*) Does not apply to loans intermediated from government funds.
Prices for loans issued before 1.9.2019
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