On the basic metrics alone, the score was 82.9 and the rank 2. The score is now 79.7 and rank 3 (▼ 1 place). The difference comes from buying motives: they measure what the buyer asks before deciding.
Nordea Rahoitus Suomi Oy kertoo autolainan koron edustavina esimerkkeinä ja porrastaa sen asiakassuhteen mukaan, erittelee kulut (avausmaksu 0 euroa, tilinhoito 12,50 euroa/kk) sekä lainasumma- ja maksuaikahaarukan. Vakuusmalli kuvataan kahtena vaihtoehtona, vakuudeton ja yli 15 000 euron vakuudellinen. Puhelin, chatbot Nova, aukioloajat, usein kysytyt kysymykset ja Nordea Mobiili ovat esillä. Osamaksumallia ja ennenaikaista takaisinmaksua ei kuvata tuotesivulla.
Buying motives checked on 12.10.2026 and basic metrics measured on 20.8.2026 from public sources. Same formula for everyone, read the full methodology.
| Opening or setup fee | 22 p × 100.0 % | 22.0 |
| Applying without being a customer | 12 p × 50.0 % | 6.0 |
| Maximum loan term | 10 p × 42.9 % | 4.3 |
| Example calculation with the actual annual percentage rate | 6 p × 100.0 % | 6.0 |
| Basic metrics | 50 % × 82,9 | 41.5 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Opening or setup fee NOTEThe examples also include an account maintenance fee of 12.50 €/month. | 0 € opening fee with Joustoluotto | nordea.fi checked 12.10.2026 | 22.0 / 22 |
| Applying without being a customer NOTEAn unsecured car loan as Joustoluotto is granted to Nordea customers. | Instalment payment and leasing without being a customer, Joustoluotto as a customer | nordea.fi checked 12.10.2026 | 6.0 / 12 |
| Maximum loan term NOTEThe loan term for a secured car loan is 20 years. | The loan term for an unsecured car loan is up to 8 years | nordea.fi checked 12.10.2026 | 4.3 / 10 |
| Example calculation with the actual annual percentage rate | Effective annual interest rate 15.0% in the example | nordea.fi checked 12.10.2026 | 6.0 / 6 |
If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.
| Digital quality | 30 % × 76,6 | 23.0 |
| Transparency | 30 % × 90,0 | 27.0 |
| Reachability | 20 % × 85,0 | 17.0 |
| AI quality score | 20 % × 79,7 | 15.9 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 46/100 | Technical measurement | 18.4 / 40 |
| Accessibility | 94/100 | Technical measurement | 28.2 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 100/100 | Technical measurement | 15.0 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Interest rate/margin and effective annual interest rate shown as a representative example OBSERVATIONTuotesivun edustavat esimerkit: todellinen vuosikorko 8 000 euron Joustoluotolle 15,0 % / 11,8 % / 8,7 % asiakassuhteen mukaan; marginaali 2,9 %, 5,9 % tai 8,9 % + 3 kk euribor | Yes | Website + AI extraction | 25.0 / 25 |
| Setup/opening fee and account maintenance fee itemised OBSERVATIONTuotesivulla: avausmaksu 0 euroa, tilinhoitomaksu 12,50 euroa/kk | Yes | Website + AI extraction | 15.0 / 15 |
| Loan amount and payment period range displayed OBSERVATIONTuotesivulla lainasumma 2 000-50 000 euroa ja laina-aika 1-8 vuotta | Yes | Website + AI extraction | 15.0 / 15 |
| Collateral model stated (car as collateral, other collateral or unsecured) OBSERVATIONTuotesivulla vakuudeton Joustoluotto sekä yli 15 000 euron lainatarpeeseen vakuudellinen laina (asunto, kiinteistö tai sijoitukset vakuutena) | Yes | Website + AI extraction | 15.0 / 15 |
| Instalment, down payment or residual value model stated OBSERVATIONtuotesivu keskittyy Joustoluottoon; osamaksu-, käsiraha- tai jäännösarvomallia ei kuvata täällä | Partly | Website + AI extraction | 5.0 / 10 |
| Early repayment terms stated OBSERVATIONennenaikaisen takaisinmaksun ehtoja ei erikseen korosteta tuotesivulla; oikeus on kuluttajaluoton sopimusehdoissa | Partly | Website + AI extraction | 5.0 / 10 |
| Business ID (Y-tunnus) or operating company shown OBSERVATIONLuoton myöntää Nordea Rahoitus Suomi Oy; Nordea kerrotaan sivustolla | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown OBSERVATIONAsiakaspalvelusivu: neuvojat auttavat puhelimitse ilman ajanvarausta | Yes | Website + AI extraction | 30.0 / 30 |
| Email shown OBSERVATIONsuoraa sähköpostiosoitetta ei näytetä; yhteydenotto chatissa, puhelimitse tai verkkopankissa | No | Website + AI extraction | 0.0 / 15 |
| Chat support OBSERVATIONAsiakaspalvelusivu: Chatbot Nova auttaa sinua ympäri vuorokauden ja ohjaa ihmisavusteiseen chattiin | Yes | Website + AI extraction | 15.0 / 15 |
| Opening hours shown OBSERVATIONAsiakaspalvelusivu: avoinna arkisin klo 8.00-18.00 ja lauantaisin klo 10.00-16.00 | Yes | Website + AI extraction | 15.0 / 15 |
| FAQ section OBSERVATIONasiakaspalvelusivulla ohjeet ja usein kysytyt aiheet kootusti | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app OBSERVATIONNordea Mobiili -sovellus on osa pankin digitaalisia palveluja | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 80/100 | AI analysis | 27.2 / 34 |
| Findability of pricing | 80/100 | AI analysis | 26.4 / 33 |
| Content coverage | 79/100 | AI analysis | 26.1 / 33 |
Are you a customer of the Nordea service? Share your experience. Does not affect the Suomen Paras Score, the score is based on measurable data only.
The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.
With website and information fixes you gain at most +8.5 points: 79.7 → 88.2, rank 3 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The partner badge is a free mark of cooperation with the Suomen Paras comparison. It does not claim a ranking; any partner of ours can add it: companies included in the comparison, our customers and our cooperation partners, and it works as a link to this public profile.
