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Travel loan - Apply for a travel loan for your holiday trip

The world is full of new experiences to bring back home with you. It is always a good idea to invest in travelling, whether you want to visit a well-known sea-side resort or a new, unknown city. A travel loan helps you realise your holiday dreams flexibly. A travel loan is granted as a Nordea FlexiCredit.

Flexible travel loan to meet your needs

You can use a travel loan to pay for your travel-related expenses, such as airline tickets, accommodation, travel insurance and excursions at your destination. A travel loan is granted as a Nordea FlexiCredit, and you can borrow between 2,000 and 50,000 euros.

  • Just fill in an application for a travel loan online using Nordea’s online banking codes. As a Nordea customer you can confirm the application with our Nordea ID app installed on your mobile device.
  • The money is paid to your account after your credit application has been approved (Mon–Sun 7.00–22.30).
  • A travel loan can be granted to one or jointly to two applicants aged 18 or over.
  • The repayment schedule of a travel loan is flexible and the loan period can be adjusted to your repayment capacity.
  • You will repay the loan monthly in equal payments.
  • There is an option for two instalment-free months per year.

Travel loan – when you want to travel in Finland or abroad

What's your next travel destination? A travel loan will finance the trip of your dreams, whether you want to go on a holiday in Finland or somewhere far away. You can use a travel loan to pay for accommodation, excursions at your destination or the costs of the entire trip – it’s up to you.

Flexible travel loan

You can borrow between 2,000 and 50,000 euros for up yo 10 years. A travel loan is granted as a Nordea FlexiCredit – which is very flexible, as the name suggests.

Read more about FlexiCredit

Add another applicant

You can also apply for FlexiCredit together with another applicant aged 18 or older. The main applicant and co-applicant are jointly responsible for repaying the loan. You can apply for credit with joint liability using the FlexiCredit application.

Apply for a travel loan online

You can apply for a travel loan without any hassle through Nordea’s self-service channels. You’ll only need the Nordea ID app to fill in the application. A travel loan is granted as a Nordea FlexiCredit.

How to apply for a travel loan:

  1. Sign in to the FlexiCredit application with your online banking codes at Nordea.fi or in Nordea Netbank or Nordea Mobile.
  2. Fill in the FlexiCredit application carefully and send it to us.
  3. You will receive the credit decision quickly, and the money will be paid right away to your account.

Apply for travel loan online

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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
Features
Repayment
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 €

General information

  • You can have 2,000 - 50,000 euros of FlexiCredit.
  • You can apply for a loan conveniently online.
  • You can apply for a loan online with Nordea's access codes. The money will be paid to your account after you have been granted the loan (Mon - Sun 7.00 - 22.30).
  • 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.
  • As FlexiCredit is an unsecured one-off loan, you do not need any separate security.
  • 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.

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)Opens new window

Apply for FlexiCredit online

Apply now Opens new window

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.