Consumer lending under special terms and conditions

Loan type

with guarantee

without guarantee

Interest rate

6 months
12 months
24 months
36 months
48 months
60 months

16.00%
16.50%
16.50%
17.00%
17.50%
18.00%

18.00%
18.50%
18.50%
19.00%
19.50%
20.00%

6 months
12 months
24 months
36 months
48 months
60 months

10.50%
11.00%
11.00%
11.50%
12.00%
12.50%

12.50%
13.00%
13.00%
13.50%
14.00%
14.50%

6 months
12 months
24 months
36 months
48 months
60 months

11.50%
12.00%
12.00%
12.50%
13.00%
13.50%

13.50%
14.00%
14.00%
14.50%
15.00%
15.50%

Loan term

from 6 to 60 months

Loan account opening fee charged to Borrower

0%

Loan account maintenance fee charged to Borrower

0%

Early redemption fee charged to Borrower

0%

Installment default interest charged to Borrower (per late day of overdue payment)

0.14%

Insurance premium amount under borrower life and work disability programs

Insurance company rates

Minimal loan amount per borrower

450 EUR or equivalent in USD/RUB (at an exchange rate of the RF CB as of the signing date)

Maximum loan amount per borrower

20 000 EUR or equivalent in USD/RUB (at an exchange rate of the RF CB as of the signing date)

Security (borrower option subject to bank approval)

A physical/legal entity* guarantee is required for a payday loan of at most:

• 600 thousand rubles (if disbursed in Moscow and Saint-Petersburg branches of OJSC Nordea Bank) or USD or EUR equivalent exchanged at the RF CB’s rate effective as of disbursement date;
• 300 thousand rubles (if disbursed in other branches of OJSC Nordea Bank) or USD or EUR equivalent exchanged at the RF CB’s rate effective as of disbursement date.

Insurance (not an obligatory condition for consumer loans)

• life insurance
• disability insurance