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.


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 secured loan by calling Nordea Customer Service. We will go through your loan application together, so please allow time for this. You will need to provide information about your job and income as well as security in your application.


Any security for your loan must be accepted by the bank. You can place your home or holiday home as security, for instance. If you are looking to borrow money without security, read more about our unsecured FlexiCredit. 

Loan features

Secured consumer credit is a great choice for you if you need to borrow more than 10,000 euros. The loan period may be 20 years at maximum. If you have the FlexiPayment feature connected to your loan, you can change the amount of your next loan repayment no questions asked.  Your loan costs will comprise loan interest, which consists of a reference rate and a margin, and a monthly contractual payment. To secure the repayment of your secured loan, you can opt for interest rate hedging or take out a MyLife insurance policy. 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. 

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
Consumer credit information


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