What is an unsecured loan?

As the name suggests, an unsecured loan is a loan for which you don’t need collateral. You can apply for a loan without collateral to make a single major purchase or many smaller ones. You can easily apply for an unsecured loan online and adjust it according to your specific needs and economy.

Loan without collateral from Nordea – our options for you:

Depending on your needs, we offer two types of unsecured loans: FlexiCredit and credit cards.

  1. FlexiCredit is a flexible one-off loan, and you can increase its amount later if you need to. FlexiCredit is a convenient solution when you want to realise your plans and need an unsecured loan right away.
  2. A credit card is an option to pay for purchases, and many credit cards include complimentary insurance. 


  • You can apply for credit online with Nordea’s access codes. The money is paid to your account after your credit application has been approved (Mon–Sun 7.00–22.30).
  • Credit can be granted to one or jointly to two applicants aged 18 or over.
  • The repayment schedule is flexible and the loan period can be adjusted to your payment capacity.
  • You will repay the loan monthly in equal payments.
  • There is an option for two instalment-free months per year.

Read more about FlexiCredit.

Get additional flexibility with a credit card to make the necessary purchases in life

  • One way to get unsecured credit is to apply for a credit card. When you pay using your Nordea credit card, you get an interest-free repayment period of 30 days on average for your purchases.
  • Use your Nordea Mastercard for easy and secure everyday purchases online and in millions of outlets across the world.
  • Apply for a card with a credit limit that suits you best.
  • Add other features to your card according to your needs.
  • Manage your card and its credit facility conveniently in Nordea Netbank.
  • Enjoy insurance cover, which is included in many cards.

Discover Nordea’s credit cards

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