Finance on everything from products to services

Joustorahoitus will be discontinued on 31 December 2024

We will remove Joustorahoitus from Nordea Finance’s product selection on 31 December 2024.  You can no longer make new Joustorahoitus agreements, apply for an increase to an existing Joustorahoitus credit facility or make purchases from your credit account. 

If you have a Joustorahoitus credit facility, you can continue to use our OmaLuotto service after 31 December 2024 to transfer money from your credit account to your bank account.

Joustorahoitus can be suitable for financing all equipment, recreational products and construction and renovation projects. It can also be a good solution for paying your medical expenses, dental care or plastic surgery. 

  • You can apply for Joustorahoitus when making purchases at a store that offers Joustorahoitus. Once your application is approved, you can go ahead and make your first purchase.
  • Get a loan up to 50,000 euros.
  • No annual fee.
  • Repayment period of up to 7 years.
  • Available to any bank’s customers.
  • No down payment, guarantors or security required.

 

Joustorahoitus is a tool for many purposes

You can apply for Joustorahoitus in the stores of our merchant partners.

When you find a suitable product, ask whether you can get a Joustorahoitus solution from the merchant. You can agree on a suitable loan amount and repayment period with the merchant and get the credit decision instantly. 

Here are some examples of what you can finance with Joustorahoitus:

  • Air source heat pumps
  • Solar panels
  • Bikes and electric bikes
  • Used cars and all-terrain vehicles
  • Window renovations
  • Roof renovations
  • Kitchen fittings, cabinets and countertops
  • Construction and renovation products and services
  • Motorhomes and caravans

Pay back in instalments you can afford

When applying for Joustorahoitus, you can agree on a monthly payment that suits you (between 2.5% and 10% of the highest credit amount used). When you receive the invoice, it is up to you to decide if you want to pay the minimum instalment, the total amount or something in between.

The vendor may have several Joustorahoitus campaigns and will provide you with more information on currently valid campaigns. This information will be included in the Joustorahoitus credit agreement.

Joustorahoitus is a continuous credit facility which is valid until further notice. The credit limit is 1,000–50,000 euros, the credit interest rate is the 3-month Euribor plus a margin of 4.7% to 12% and the monthly account management fee is 3–12.5 euros (depending on the credit limit). When the credit interest rate is the variable 3-month Euribor rate (3.25% in October 2024) + 8% (meaning a total interest rate of 11.25% in October 2024), the monthly account management fee is 12.5 euros and the credit is repaid in 12 monthly instalments (455 euros each), the annual percentage rate (APR) for an outstanding credit balance of 5,000 euros is 17.9% and the estimated total cost of the credit is 5,460 euros. When the credit interest rate is the variable 3-month Euribor rate (3.25% in October 2024) + 12% (meaning a total interest rate of 15.25% in October 2024), the monthly account management fee is 12.5 euros and the credit is repaid in 12 monthly instalments (464.4 euros each), the APR for an outstanding credit balance of 5,000 euros is 22.6% and the estimated total cost of the credit is 5,572.6 euros. The creditor is Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Manage your Joustorahoitus in OmaLuotto

As a Joustorahoitus customer, you have the access to Nordea Finance’s OmaLuotto service, where you can for example transfer money to your account and change the due date.

As a Joustorahoitus customer you can use Nordea Finance's self service OmaLuotto. OmaLuotto is easy to use in mobile and you log in with your own bank's bank ID, so you don't need Nordea Bank's bank ID to use OmaLuotto. 

There is no opening fee for taking OmaLuotto into use. Read more about OmaLuotto.

Further purchases on credit

Continuous credit account with no card

Joustorahoitus is a continuous credit account. Once Joustorahoitus has been granted, it continues to be valid; repaying the credit creates available balance on the credit account for you to use again however you like. 

The credit account does not include a card, but you can make further purchases within the available funds in stores that offer Joustorahoitus. The available balance does not cost you anything; you are only charged interest and account management fees for the credit you have used. 

Price for credit issued from 1.9.2019
Prices for credit issued before 1.9.2019
Vendors
Terms

Joustorahoitus tariff for credit obtained as of 1 September 2019

Joustorahoitus tariff for credit obtained as of 1 September 2019
Credit interest 3-month Euribor plus a margin of 4.7% to 12.00%
Monthly account management fee    3–12.5 euros depending on the credit limit
Opening fee 0 euros
Transfers from the credit accountInterest-bearing as of the transfer date
Joustorahoitus is a continuous credit facility which is valid until further notice. The credit limit is 1,000–50,000 euros, the credit interest rate is the 3-month Euribor plus a margin of 4.7% to 12% and the monthly account management fee is 3–12.5 euros (depending on the credit limit). When the credit interest rate is the variable 3-month Euribor rate (3.25% in October 2024) + 8% (meaning a total interest rate of 11.25% in October 2024), the monthly account management fee is 12.5 euros and the credit is repaid in 12 monthly instalments (455 euros each), the annual percentage rate (APR) for an outstanding credit balance of 5,000 euros is 17.9% and the estimated total cost of the credit is 5,460 euros. When the credit interest rate is the variable 3-month Euribor rate (3.25% in October 2024) + 12% (meaning a total interest rate of 15.25% in October 2024), the monthly account management fee is 12.5 euros and the credit is repaid in 12 monthly instalments (464.4 euros each), the APR for an outstanding credit balance of 5,000 euros is 22.6% and the estimated total cost of the credit is 5,572.6 euros. The creditor is Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.