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- 108+ offers from 57+ banks in one view
- 8 Nordic & Baltic countries covered
- Free & independent — no credit check, no sign-up
- Live EURIBOR & bank-verified rates, updated daily
Estimated payment
€320 /mo
10.2% effective APR
€19,211 total cost
Rates from 6.49% APR · real market data · always verify with bank
What do you need financing for?
Lowest APR in our database right now — per loan type
🇪🇺 EURIBOR (Base rate for EUR mortgages — EE, LV, LT, FI)
EURIBOR 3M
2026-07
2.425%
EURIBOR 6M
2026-07
2.647%
EURIBOR 12M
2026-07
2.855%
🏛️ Central Bank Key Rates
ECB Deposit Rate
2.50%
EUR
Norges Bank
4.50%
NOK
Riksbank (Sweden)
2.50%
SEK
Danmarks Nationalbank
2.85%
DKK
Central Bank of Iceland
9.00%
ISK
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50 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 BankNordeaDanske BankJyske BankNykreditAL BankSparekassen KJMiddelfart Spar.TrygTopdanmarkPFAOPNordeaAktiaOma SpLähiTapiolaIf Insurance FIMandatumÍslandsbankiArion bankiLandsbankinnDNBSpareBank 1Bank NorwegianStorebrandKomplett Bank
Gjensidige
Nordea
SEB
Handelsbanken
SBAB
Skandia
Länsförsäkringar
Resurs Bank
Swedbank
SEB
LHV
Coop Pank
Luminor
Bigbank
Inbank
Swedbank
Luminor
Citadele
BluOr
Swedbank
Luminor
Šiaulių bankas
Citadele
Medicinos bankas
RevolutGjensidigeNordeaSEBHandelsbankenSBABSkandiaLänsförsäkringarResurs BankSwedbankSEBLHVCoop PankLuminorBigbankInbankSwedbankLuminorCitadeleBluOrSwedbankLuminorŠiaulių bankasCitadeleMedicinos bankasRevolutOur Top Recommendations
Curated by our team — the best products in each category based on rate, flexibility, and eligibility.
🏆 Best Overall Rate
6.49%
APR from
Nordea
🇸🇪 Sweden
Lowest APR available across all 8 countries
🏠 Best Mortgage Rate
2.75%
APR from
Nykredit
🇩🇰 Denmark
Top home loan rate from leading Nordic banks
📱 Best for Digital Nomads
3.65%
APR from
Skandia
🇸🇪 Sweden
Fintech-friendly loans — apply 100% online
🏢 Best Business Loan
4.50%
APR from
OP
🇫🇮 Finland
Corporate financing from state-backed lenders
Top Credit Products
Handpicked offers from leading Nordic & Baltic institutions
Nykredit
Bank
DKHome Loan
🏠 Mortgage2.75%
APR from
up to 4.99%
Loan Range
kr.200K – kr.15.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €179/mo · Total: €10,715
at 2.75% APR
SBAB
Government
SEBolån (Government Bank)
🏠 Mortgage3.50%
APR from
up to 5.60%
Loan Range
kr.200K – kr.15.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €182/mo · Total: €10,915
at 3.50% APR
LHV
Bank
EEHome Loan
🏠 Mortgage4.14%
APR from
up to 7.50%
Loan Range
€15K – €400K
Term
5 yrs – 30 yrs
Representative Example
€10K over 5 yrs = €185/mo · Total: €11,088
at 4.14% APR
OP
Cooperative
FIOP Consumer Credit
👤 Personal Loan6.50%
APR from
up to 17.90%
Loan Range
€2K – €70K
Term
1 yr – 10 yrs
Representative Example
€10K over 5 yrs = €196/mo · Total: €11,740
at 6.50% APR
DNB
Bank
NOConsumer Loan
👤 Personal Loan6.90%
APR from
up to 18.90%
Loan Range
kr.10K – kr.600K
Term
1 yr – 10 yrs
Representative Example
kr.10K over 5 yrs = €198/mo · Total: €11,852
at 6.90% APR
Länsförsäkringar
InsuranceSEPrivatlån
👤 Personal Loan6.90%
APR from
up to 16.90%
Loan Range
kr.10K – kr.350K
Term
1 yr – 8 yrs
Representative Example
kr.10K over 5 yrs = €198/mo · Total: €11,852
at 6.90% APR
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
7
Institutions
18
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.