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- 110 offers from 60 institutions in one view
- 8 Nordic & Baltic countries covered
- Free, no sign-up — comparing does not affect your credit score
- Rates read daily from bank websites — anything else is marked indicative
Estimated payment
€320 /mo
at 10.2% illustrative rate
€19,211 total cost
Illustrative rate: midpoint of listed EUR offers (6.5%–13.9%), no fees included. Your rate comes from the bank.
What do you need financing for?
Lowest rate read from a bank website in the last 48 hours, per loan type — otherwise marked indicative
Personal Loan
Unsecured personal finance
6.50%
from · Citadele
Compare 48 offers →
Mortgage
Home & property loans
3.15%
from · SBAB
Compare 31 offers →
Auto Loan
Vehicle financing
6.50%
from · Citadele
Compare 8 offers →
Business Loan
SME & corporate credit
4.50%
indicative, from · OP
Compare 23 offers →
🇪🇺 EURIBOR (Base rate for EUR mortgages — EE, LV, LT, FI)
EURIBOR 3M
Sep 2026
2.635%
EURIBOR 6M
Sep 2026
2.922%
EURIBOR 12M
Sep 2026
3.247%
🏛️ Central Bank Key Rates
ECB Deposit Rate
2.50%
EUR · 18 Dec 2025 · static
Norges Bank
4.50%
NOK · 19 Dec 2025 · static
Riksbank (Sweden)
2.50%
SEK · 7 Nov 2025 · static
Danmarks Nationalbank
2.85%
DKK · 18 Dec 2025 · static
Central Bank of Iceland
9.00%
ISK · 6 Nov 2025 · static
How NordicRate Works
Find your best loan rate in 3 simple steps
Calculate
Enter your loan amount and term in our free calculator to see estimated monthly payments instantly.
Compare
Browse and filter 110 loan products from 60 institutions, sorted by lowest APR, highest limit, or most recent.
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Apply on the bank’s own site. NordicRate is free for you; some banks pay us a referral fee, which never changes the order we show.
51 institutions · 8 countries
Banks, insurers & lenders we compare
Nordea
Danske Bank
Jyske Bank
Nykredit
AL Bank
Sparekassen KJ
Middelfart Spar.
Tryg
Topdanmark
PFA
OP
Nordea
Aktia
Oma Sp
LähiTapiola
If Insurance FI
Mandatum
Íslandsbanki
Arion banki
Landsbankinn
DNB
SpareBank 1
Bank Norwegian
Storebrand
Komplett Bank
GjensidigeNordeaDanske BankJyske BankNykreditAL BankSparekassen KJMiddelfart Spar.TrygTopdanmarkPFAOPNordeaAktiaOma SpLähiTapiolaIf Insurance FIMandatumÍslandsbankiArion bankiLandsbankinnDNBSpareBank 1Bank NorwegianStorebrandKomplett BankGjensidige
Nordea
SEB
Handelsbanken
SBAB
Skandia
Länsförsäkringar
Resurs Bank
Swedbank
SEB
LHV
Coop Pank
Luminor
Bigbank
Inbank
Citadele
Swedbank
Luminor
Citadele
BluOr
Swedbank
Luminor
Šiaulių bankas
Citadele
Medicinos bankas
RevolutNordeaSEBHandelsbankenSBABSkandiaLänsförsäkringarResurs BankSwedbankSEBLHVCoop PankLuminorBigbankInbankCitadeleSwedbankLuminorCitadeleBluOrSwedbankLuminorŠiaulių bankasCitadeleMedicinos bankasRevolutLive rates from bank websites
6 offers whose rate we read from the bank's own page in the last 48 hours, lowest first.
SBAB
Government
SEBolån (Government Bank)
🏠 Mortgage3.15%
APR from
up to 5.60%
Loan Range
kr.200K – kr.15.0M
Term
5 yrs – 30 yrs
Illustrative example
kr.10K over 5 yrs = SEK 180/mo · Total: SEK 10,821
at the lowest advertised rate, 3.15%, fees excluded
Nordea
BankSEBolån
🏠 Mortgage3.69%
APR from
up to 6.00%
Loan Range
kr.200K – kr.15.0M
Term
5 yrs – 30 yrs
Illustrative example
kr.10K over 5 yrs = SEK 183/mo · Total: SEK 10,966
at the lowest advertised rate, 3.69%, fees excluded
Länsförsäkringar
InsuranceSEBolån
🏠 Mortgage3.74%
APR from
up to 5.85%
Loan Range
kr.200K – kr.12.0M
Term
5 yrs – 30 yrs
Illustrative example
kr.10K over 5 yrs = SEK 183/mo · Total: SEK 10,980
at the lowest advertised rate, 3.74%, fees excluded
SEB
Bank
EEHome Loan
🏠 Mortgage4.27%
APR from
Loan Range
€15K – €2.0M
Term
1 yr – 30 yrs
Illustrative example
€10K over 5 yrs = €185/mo · Total: €11,123
at the lowest advertised rate, 4.27%, fees excluded
LHV
BankEEHome Loan
🏠 Mortgage4.41%
APR from
up to 7.50%
Loan Range
€15K – €400K
Term
5 yrs – 30 yrs
Illustrative example
€10K over 5 yrs = €186/mo · Total: €11,161
at the lowest advertised rate, 4.41%, fees excluded
Coop Pank
BankEEHome Loan
🏠 Mortgage4.41%
APR from
Loan Range
€15K – €400K
Term
1 yr – 30 yrs
Illustrative example
€10K over 5 yrs = €186/mo · Total: €11,161
at the lowest advertised rate, 4.41%, fees excluded
Denmark
Finland
Iceland
Norway
Sweden
Estonia
Latvia
Lithuania
Denmark
10
Institutions
17
Products
Copenhagen
Capital
Finland
8
Institutions
14
Products
Helsinki
Capital
Iceland
4
Institutions
8
Products
Reykjavik
Capital
Norway
8
Institutions
12
Products
Oslo
Capital
Sweden
8
Institutions
15
Products
Stockholm
Capital
Estonia
10
Institutions
20
Products
Tallinn
Capital
Latvia
5
Institutions
10
Products
Riga
Capital
Lithuania
7
Institutions
14
Products
Vilnius
Capital
Entrepreneur & Digital Nomad Hub
Government loans, digital nomad visas, e-Residency, and EU funding programs
Digital Nomad Visas
Estonia, Latvia, Lithuania & Iceland — stay up to 1 year and work remotely in the EU
e-Residency
Register an EU company online. 100K+ e-residents from 170+ countries already use it
Government Loans
State-backed startup and SME loans from Finnvera, Innovasjon Norge, Almi and more
EU Funds
EIB, EIF, Horizon Europe — access billions in EU financing across all 8 countries
Frequently Asked Questions
Everything you need to know about comparing credit rates
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⚠️ Disclaimer: Rates shown are indicative and for comparison purposes only. Actual rates depend on individual creditworthiness, loan amount, and term. Always verify current rates directly with the financial institution before applying. NordicRate is not a financial advisor.