Joustorahoitus

Joustorahoitus is a convenient form of finance when you are looking to renovate your house or holiday home.

Purchases made simple

Finance on everything from products to services

Joustorahoitus is suitable for financing all equipment, recreational products and construction and renovation projects. It is also a great solution for paying your medical expenses, dental care or plastic surgery. Everyone has their own plans and no dream is too big or crazy!

  • 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 25,000 euros.
  • No annual fee.
  • Repayment period of up to 7 years.
  • Available to any bank’s customers.
  • No down payment, guarantors or security required.

Pay back in instalments you can afford

When applying for Joustorahoitus, you can agree on a monthly payment that suits you (between 1.2 % 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 interest rate on Joustorahoitus is the 3-month Euribor added with 4.7–12.0 percentage points (variation range).  For example, when the nominal interest is the 3-month Euribor (June 2020) + 8%, the annual percentage rate of charge on 5,000 euros of outstanding credit is 13.9% and the price of credit is 5,361 euros, or when the nominal interest is the 3-month Euribor (June 2020) + 12.0%, the annual percentage rate of charge on 5,000 euros of outstanding credit is 18.4% and the price of credit is 5,472 euros. The calculation includes the monthly account management fee of 12.50 euros. Joustorahoitus is a continuous credit facility which is valid until further notice. The credit limit is 1,000–50,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.   

You can now transfer money from Joustorahoitus to your bank account and use it where ever you want

Money transfer and other action is now possible to handle in new OmaLuotto service. You use OmaLuotto with your own banks credentials 24/7.

As a Joustorahoitus customer you can use Nordea Finance's new 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 OmaLuottoOpens new window.

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 from 1.9.2019.


Interest rate  
3-month Euribor  + 4,7-12,00 % (variation range)
Account management fee   3 € - 12,50 € according to credit limit
Opening fee0 €
Money transfer from creditInterest-bearing as of the transfer date
Change of repayment schedule
5 €

The interest rate on Joustorahoitus is the 3-month Euribor added with 4.7–12.0 percentage points (variation range).  For example, when the nominal interest is the 3-month Euribor (June 2020) + 8%, the annual percentage rate of charge on 5,000 euros of outstanding credit is 13.9% and the price of credit is 5,361 euros, or when the nominal interest is the 3-month Euribor (June 2020) + 12.0%, the annual percentage rate of charge on 5,000 euros of outstanding credit is 18.4% and the price of credit is 5,472 euros. The calculation includes the monthly account management fee of 12.50 euros. Joustorahoitus is a continuous credit facility which is valid until further notice. The credit limit is 1,000–50,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.   

Prices for credit issued before 1.9.2019
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