We offer you flexibility when your life changes

With a car loan from us, you have been able to get the car you wanted, but our services don’t end there. There may be changes in your life, you may want to travel or you may decide to change cars. We at Nordea Finance will do our best to accommodate your situation and make it happen. Below you can find answers to some of our most frequently asked questions. Our Customer Service is happy to help if you have any further questions.

How can I use the car finance self-service channels?

You can log in to the self-service channels with your bank’s online banking codes and view up-to-date information about your hire-purchase agreement.  Log in to the car finance self-service channels.Opens new window

Making changes to your hire-purchase agreements is not yet possible in our self-service channels. If you want to change your due date or discuss something else with us, you can send us a message in Nordea’s Omaposti service. If you are a Nordea customer, you can also send us a message via Nordea Mobile or Netbank. Select ‘Nordea Finance’ as the topic of your message.  

How can I see my car loan details in Nordea Mobile and Netbank?

You can now easily view your car loan details in Nordea Mobile and Netbank whenever it suits you, just as with other Nordea loans.

  • In Netbank, go to the Finances tab and select Loans.
  • In Nordea Mobile, go to the Overview tab and select Loans.

Here you can check the details of your next and previous monthly payment, the remaining balance and the details of the repayment schedule and other basic details, among others.   

Can I change the due date of my monthly payment?

If your circumstances change, you can change the due date easily by sending a request for change via Nordea OmapostiOpens new window or by calling our Customer ServiceOpens new window. If you are a Nordea customer, you can also send us a message via Nordea Mobile or Netbank. Select ‘Nordea Finance’ as the topic of your message and indicate the desired new due date. Changing the due date is free of charge. 

The change of due date will be applied as of the next payment. Your hire-purchase agreement must be up to date before the change. 

Can I apply for a payment holiday or reduce the monthly payments?

You can apply for a payment holiday for your hire-purchase agreement (change to repayment schedule) if there is a compelling reason due to a change in your life situation. A payment holiday means that you only pay interest and fees on your hire-purchase agreement.

How to apply for a payment holiday?

You can apply for a payment holiday by calling us. During the call, we will ask you:

  • The reason for applying a payment holiday
  • Your agreement number/registration number
  • For how many months you will need a payment holiday
  • As of which month/payment you will need a payment holiday
  • Your preferred method of signing (digital signature/signature in writing) the new repayment schedule
  • NOTE! If you choose digital signature, remember to provide your phone number

The change is subject to a fee set in our tariffOpens new window

Once your application is approved, we will send you the new repayment schedule for signing. You need to return it to us duly signed. After this, we will make the change and your payment holiday will take effect.

You can sign the change to your repayment schedule digitally via Nordea Omaposti or through Nordea Mobile or Netbank. If you wish, we will send you a form by post. You can return the signed form in the enclosed return envelope. When you call us, let us know how you would like to sign the new repayment schedule.

Can I make an overpayment?

If you want to pay extra towards your loan, the overpayment will automatically reduce your total amount of debt and thus the total interest payable. It is therefore not an advance payment towards the next monthly payment. If you want the overpayment to be counted as an advance payment towards the next monthly payment, please contact us before making the overpayment. We can make this change without any hassle or additional costs.

Can I take my car abroad?

If your car has been financed under a finance agreement, you will need written permission (an export registration document) for taking the vehicle out of the country. Read more about the export registration documentOpens new window, how to apply for it and what you should keep in mind before you hit the road. Enjoy your trip!

Can I change my car registration details?

Read further instructionsOpens new window on how to register a car in your name or declare your car off the road.

Can I trade in or sell my car?

You are free to trade in or sell your car mid-term. Read moreOpens new window about the easiest way to do this in various circumstances. If you have finance on your previous car, please check the amount of your outstanding debt before making a new finance calculation. 

How much do these services cost?

Some of our services, such as the change of repayment schedule or the change of a holder, are subject to our tariff. See our hire purchase tariffOpens new window and leasing tariffOpens new window.

What exactly happens when my agreement ends?

When your hire-purchase debt has been paid off, we will create a digital notification of transfer for you in Traficom’s My e-services so that you can register the car to yourself. When you register your car with a digital notification of transfer in Traficom’s My e-services, you don’t need a digital certificate or other documents.  If you need a digital certificate for registering your car, you can find it in the letter we will send to you.  

We will send you a letter when your car loan agreement ends and a notification of transfer has been created. You will also find the certificate in the letter. If we have your mobile phone number, we will send you the letter digitallyto Nordea OmapostiOpens new window and to Nordea Mobile and Netbank. Read more.Opens new window

If you wish to sell your car to a third party after having paid off all monthly payments, we will deliver the digital certificate to the new owner if agreed separately. When the ownership of the car is transferred directly to the new owner, you need to send us a copy of the deed of transfer or deed of sale via Nordea Omaposti. Our contact information is available at the bottom of the page.

For Traficom’s deed of transfer or deed of sale, you will need the car’s, the seller’s (the borrower’s) and the buyer’s details as well as the borrower’s and buyer’s signatures and names in block letters. Read more on the Traficom websiteOpens new window.

How can I contact your Customer Service?

If you have any questions, you can reach our Customer Service by sending us a message via Nordea Netbank or Nordea Omaposti or by phone. Our contact information is available at the bottom of the page.

If you have any questions, you can reach our Customer Service

Call our customer service

0200 86210

Open Mon, Fri 9.00-16.00 and Tue, Wed, Thu 9.00-14.00 (local network charge/mobile call charge)