Nordea Finans Sverige AB

Nordea Finans Sverige AB is a Swedish credit market company within the Nordea group that focuses on financing rather than traditional retail banking, providing consumer and corporate solutions such as vehicle and equipment leasing, hire purchase, point‑of‑sale finance via retail and dealer networks, and working capital tools including factoring and invoice finance. Contracts typically rely on credit assessments and may be secured by the financed asset and, for businesses, supplemental guarantees; pricing varies by risk, collateral, term, and product structure, and customers should expect standard establishment, invoicing, and late‑payment fees where applicable, along with default interest if payments are missed. Consumer agreements are subject to Swedish consumer credit rules, including pre‑contractual information requirements and a statutory right of withdrawal for distance‑sold credit, while leasing and asset‑based products include residual value and return conditions that can trigger additional charges if mileage, wear, or other terms are not met. Applications are distributed directly and through partner channels, with servicing available through digital and call‑center support; identification and anti‑money‑laundering checks are required. The company is supervised by the Swedish Financial Supervisory Authority (Finansinspektionen) and operates under Swedish and EU regulations covering credit, privacy, and conduct; adverse payment behavior can be reported to credit bureaus and result in collection actions or repossession of financed assets. Nordea Finans Sverige AB sources funding within the wider group and capital markets and does not market deposit accounts; its offerings are designed to finance purchases and business assets rather than provide savings products, and product availability, eligibility, and terms can change without notice.