Electric vehicle loan
A secured loan with a 0.5 percentage-point interest discount for private buyers of fully electric passenger cars from Swedish authorised dealers.
Denne finansieringsmuligheten er foreløpig beskrevet på engelsk.
You can borrow from SEK 100,000, up to 80% of the car’s value. You pay the remaining 20% as a cash deposit or with a trade-in car. The car serves as security for the loan, which you repay with interest.
Choose a repayment period of up to eight years. You can make extra repayments or repay the whole loan without an extra charge. The setup fee is SEK 525. The published invoice fees are SEK 35, or SEK 20 with a Nordea repayment account; e-invoices cost SEK 0.
The loan is not paid into your account: the dealer invoices Nordea for the car’s price minus your deposit. If a trade-in car has outstanding finance, agree with the dealer who will repay that debt.
Eligibility
- You must be at least 18, registered in the Swedish population register, have a Swedish personal identity number and a steady income. You must be a Nordea customer; if two people apply together, only one needs to be a customer.
- You must have no recorded payment defaults. Nordea checks your credit record and assesses whether you can repay the loan.
- The discounted loan is for a passenger car with 100% electric propulsion, bought for private use. Heavy vehicles, light trucks, three-wheelers and quad bikes are excluded.
- Buy from a Swedish authorised dealer: a business that trades in the type of vehicle you are buying. Purchases from private individuals or abroad are excluded.
- A passenger car may be no more than 15 years old when the loan ends.
How to apply
- Status
- Løpende søknader
Log in through Nordea’s dealer car-loan application and apply for financing before choosing your car. If two people apply together, enter both applicants’ details. One identifies themselves when applying; Nordea then contacts you so the co-applicant can identify themselves using Mobile BankID.
After approval, choose your car from a Swedish authorised dealer. Email the signed purchase contract to Nordea Finance at bilochfritid@nordea.com, following the instructions in your loan approval. Nordea must receive the documentation at least 48 hours before collection. Include the car’s price, registration number, make/model, model year and delivery date, plus the dealer’s company name, organisation number, telephone number and email. All borrowers must attend the car collection and sign the agreements.
If the price changes, Nordea adjusts your existing application when it receives the contract; the adjusted loan must be over SEK 100,000. If the price rises, call 08-402 57 47 so Nordea can adjust the application and increase the approved financing. If you keep the loan amount unchanged, Nordea adjusts the deposit for the additional price.