"How can I trade in my car if I have a hire purchase or a FiksuDiili agreement?"
You can trade in your car for another car as long as your entire hire purchase debt is repaid at the same time. Check the amount of your outstanding debtOpens new window and ask your car dealership for a trade-in price. In such a case, the car dealership will pay off the outstanding debt to Nordea Finance. It will also deliver a copy of the deed of transfer and the deed of sale to Nordea Finance. We will then send the registration certificate directly to the car dealership after having received the final payment. You may also wish to use the difference between the trade-in price and your outstanding debt as the deposit for your new car.
If you want to end your FiksuDiili agreement early, you can do this by paying the difference between the car’s current value and the value at the end of the agreement period set out in the agreement. After this, you are free to get a new car in any way you wish. It is possible to agree on returning the car on the delivery date of your new car so that you do not end up without a car at any point.
"I would like to trade in a lease car"
If you are looking to trade in a car mid-term, please contact the car dealership and salesperson from whom you leased the car. The salesperson will inspect the car and fill in a form regarding the termination of your agreement. Nordea Finance will make a calculation which will determine the costs arising from the termination of the agreement.
"I would like to sell my car to a private buyer"
You are free to sell your vehicle to a third party other than a car dealership. Before selling, check your outstanding debt in the Car Finance Details 24/7 online service by logging in with your bank’s online banking codes or by calling our Customer Service.
Any outstanding debt must be paid before selling the vehicle with the same payment details as the monthly hire-purchase payments. After this, Nordea Finance will send you the registration certificate. If you want the certificate to be sent directly to the buyer instead, send us a copy of the deed of transfer or the deed of sale by post or Omaposti.
Traficom’s deed of transferOpens new window (in Finnish or Swedish) or deed of sale must include 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.
"What do I do if I want to transfer the agreement to another person?"
It is possible for us to transfer your hire purchase or lease agreement in another person’s name upon your request. As the holder of the vehicle, you can get a new borrower or lessee for your car, after which Nordea Finance will grant them a new credit decision. After receiving a favourable credit decision, the new holder undertakes to pay off the outstanding hire-purchase debt or the monthly payments laid down in the lease agreement in accordance with the terms and conditions.
Please make sure that your monthly payments are up to date at the time of transfer. The transfer of your agreement takes approximately 2 to 4 weeks and is subject to our tariff.
Any comprehensive motor vehicle insurance policies linked to the agreement cannot, regretfully, be transferred to another holder together with the agreement. The new borrower must take out a new insurance policy for the vehicle.
Follow the steps below:
- Select the correct application below depending on whether the agreement is transferred to a private customer or a company.
- Fill in all fields carefully.
- Print out the application.
- Sign the application and send it to us together with a copy of the new borrower’s driving licence via OmaPosti or by post.
Send the application by post to:
Nordea Finance Finland Ltd
Credit Team/Car Finance VU5193
or online via OmaPosti. Sign in from hereOpens new window.