1. How can I pay off and terminate my Erämaksu credit facility?

To terminate your credit facility, please contact Nordea Finance Customer Service . We will calculate a final balance for the end date of your choosing. Once you have repaid the final balance, your credit is terminated automatically.

2. How can I change the monthly payment of my Erämaksu credit facility?

To change your monthly payment, please contact Nordea Finance Customer Service . Changes to the repayment schedule are subject to a fee set in our tariff.

3. Can I increase my Erämaksu credit facility?

Erämaksu is a one-off credit facility, so it’s not possible to increase it. You can, however, have multiple Erämaksu credit facilities at once.

4. How will I receive my Erämaksu invoices?

Your invoices will be sent to the address you have on record in the Finnish Population Information System.

5. Where do I find up-to-date information about my Erämaksu credit facility?

You can see up-to-date information about your credit facility, such as your outstanding credit amount, on your invoice. Alternative, you can contact Nordea Finance Customer Service to inquire about your credit details. For the moment, credit details are not available in Nordea Mobile or Netbank or in the OmaLuotto service.

6. Where do I find my Erämaksu agreement and the terms and conditions?

Your agreement and the terms and conditions are available in Nordea’s Omaposti service .

Pay back in instalments you can afford with Erämaksu

Account management fee

The account management fee for Erämaksu depends on the credit amount you apply for. Please see the table below for examples of credit costs (Euribor 01/2025).

Credit amount	Interest rate	Monthly account management fee	Annual Percentage Rate (APR)	Total credit costs	Total amount of credit
EUR 750	8% + the 3-month Euribor	EUR 0.00	11.3%	EUR 44.4	EUR 794.3
EUR 2,000	8% + the 3-month Euribor	EUR 3.00	14.9%	EUR 154.2	EUR 2,154.2
EUR 4,000	8% + the 3-month Euribor	EUR 6.00	14.9%	EUR 308,4	EUR 4,308.4
EUR 7,000	8% + the 3-month Euribor	EUR 9.00	14.4%	EUR 521.7	EUR 7,521,7

Account management fee:

Monthly account management fee EUR 0.00 when the credit amount is EUR 500–999.99

Monthly account management fee EUR 3.00 when the credit amount is EUR 1,000–2,999.99

Monthly account management fee EUR 6.00 when the credit amount is EUR 3,000–5,999.99

Monthly account management fee EUR 9.00 when the credit amount is EUR 6,000 or more

Frequently asked questions about Erämaksu

1. How can I pay off and terminate my Erämaksu credit facility?: To terminate your credit facility, please contact Nordea Finance Customer Service. We will calculate a final balance for the end date of your choosing. Once you have repaid the final balance, your credit is terminated automatically.
2. How can I change the monthly payment of my Erämaksu credit facility?: To change your monthly payment, please contact Nordea Finance Customer Service. Changes to the repayment schedule are subject to a fee set in our tariff.
3. Can I increase my Erämaksu credit facility?: Erämaksu is a one-off credit facility, so it’s not possible to increase it. You can, however, have multiple Erämaksu credit facilities at once.
4. How will I receive my Erämaksu invoices?: Your invoices will be sent to the address you have on record in the Finnish Population Information System.
5. Where do I find up-to-date information about my Erämaksu credit facility?: You can see up-to-date information about your credit facility, such as your outstanding credit amount, on your invoice. Alternative, you can contact Nordea Finance Customer Service to inquire about your credit details. For the moment, credit details are not available in Nordea Mobile or Netbank or in the OmaLuotto service.
6. Where do I find my Erämaksu agreement and the terms and conditions?: Your agreement and the terms and conditions are available in Nordea’s Omaposti service.

Erämaksu is a one-off credit facility with a fixed repayment period. With a 12-month repayment period, the 3-month Euribor (May 2024) + 8% as the credit interest rate and a monthly account management fee of 3.00 euros, the annual percentage rate for a credit amount of 1,500 euros is 28.9%, the price of credit is 1,706 euros and the monthly payment is 142.15 euros. The creditamount may range between 500 and 30,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Terms and conditions

Tariff

Terms and conditions

General credit terms and conditionsOpens new window

Standard European Consumer Credit InformationOpens new window

Tariff

Interest rate	3-month Euribor + 8 % or 12 %
Account management fee	EUR 0.00–9.00 per month (but no more than 0.01% of the credit amount per day)
Opening or annual fee	EUR 0.00
Change to the repayment schedule	EUR 5.00 per change
Extension of the repayment period	EUR 5.00 per change
Interest or balance query	EUR 7.00 per statement
Copies of invoices and receipts	EUR 7.00 per copy
Obtaining the borrower’s up-to-date contact information	EUR 10.00 per query
Written investigations	EUR 17.00 per hour or part of an hour

Pay back in instalments you can afford

Account management fee

Frequently asked questions about Erämaksu

Terms and conditions

Tariff

Terms and conditions

Tariff

Contact us

Open Mon-Fri 9.00-16.00 (local network charge/mobile call charge)

Pay back in instalments you can afford

Account management fee

Frequently asked questions about Erämaksu

Terms and conditions

Tariff

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Open Mon-Fri 9.00-16.00 (local network charge/mobile call charge)