About1 – Costa Rica Loan Experts

Who We Are

At Costa Rica Loan Experts, we are a boutique loan company dedicated to connecting high-quality borrowers with professional, fair private lenders. Our mission is simple: create win/win situations that allow borrowers to finance their projects while providing lenders with low-risk, steady returns.

We’re more than just intermediaries — we’re active lenders too. Our approach is built on transparency, trust, and long-term relationships.

Fast Closings can happen in as little as two weeks.

Simple Minimal paperwork, straightforward approval.

Flexible Negotiable terms tailored to your needs.

Secure Fully backed by real estate collateral and legally closed by an attorney.

Why Choose Us

We specialize in financing properties in Costa Rica’s coastal, mountain, and tourist regions—places where traditional banks often refuse to lend. Our expertise ensures you access funding in the areas you value most.

Work in Areas Where Banks Rarely Lend

Navigating loans as a foreigner can be tough. We simplify the process, offering fair, accessible loans tailored for expats and non-residents who often face challenges with traditional bank lending in Costa Rica.

Serving Expats, Non-Residents, and Foreigners

Forget waiting months for approval. Our streamlined process allows you to secure financing quickly—sometimes in just two weeks—so you can move forward with your business, investment, or real estate project faster.

Fast Closings in as Little as Two Weeks

Flexibility matters. That’s why we offer private loans with no prepayment penalties after the first year, giving you freedom to pay off your loan early without extra fees or restrictions common with traditional banks.

No Prepayment Penalties After the First Year

Our fees are straightforward and competitive: a flat 3–5% of the loan amount, plus legal costs. No hidden charges or surprises—just clear, honest pricing designed to be fair to both borrowers and lenders alike.

Transparent Fees — Flat 3–5%, Plus Legal Costs

Our Values

Transparency:

Full honesty and clarity at every step.

Fairness

Ensuring a win/win outcome for both borrower and lender.

Our reputation is our most valuable asset — and we protect it by doing great work today to earn your trust tomorrow.

Responsiveness

Quick evaluations and fast communication.

Long-Term Relationships

Building trust that lasts beyond a single deal.

Integrity

Only offering loans we would invest in ourselves.

Most loans can be approved and closed within 2–3 weeks, depending on how quickly you provide property documentation and the investor’s due diligence. It's much faster than a traditional bank.

How fast can I get a loan?

Yes, you can pay off your loan early. In most cases, there are no prepayment penalties after the first year. This flexibility allows you to reduce total interest paid if your situation improves.

Can I pay off early?

If you need more time, we can help you renegotiate terms with your current lender or transition you to a new one. Renewals depend on property value, payment history, and lender interest.

What if I need to renew at term?

Only during the first year. After that, most loans carry no penalties for early payoff, making them more flexible than many bank loans that charge up to 4% for early termination.

Are there prepayment penalties?

fREQUENTLY ASKED QUESTIONS