Bilanx review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bilanx is a marketplace for personal loans, debt consolidation and car loans, and it suits borrowers who want fee-free entry and a long repayment window. The catch sits in the rate: APR of 26.4% to 46% runs well above Monzo Flex at 10% to 23%.

Key facts

Best for
Fee-free personal loans and consolidation with a long repayment term in Costa Rica.
APR
26.4% to 46% (Source, checked September 26, 2026)
Term
60 to 240 months (Source, checked September 26, 2026)
Arrangement fee
0 CRC (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
Free registration for any user, basic personal information required (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car (Source, checked September 26, 2026)
Legal entity
SISTEMAS NOVEDOSOS EN LINEA S.R.L., cédula de persona jurídica 3-102-689698 (Source, checked September 26, 2026)
Headquarters
Costa Rica (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)
Official website
bilanx.cr

Mortgages

Product fee
CRC 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Legal entity
SISTEMAS NOVEDOSOS EN LINEA S.R.L., cédula de persona jurídica 3-102-689698 (Source, checked September 26, 2026)
Headquarters
Costa Rica (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • Fees are 0 CRC and CRC 0, so nothing is taken for setting the loan up.
  • Terms run 60 to 240, spreading a loan over a long repayment window.
  • Registration is free for any user, asking only for basic personal information.
  • Purchase and remortgage lending (purchase and remortgage) sits alongside the personal and car products.

Cons

  • APR of 26.4% to 46% sits above Monzo Flex at 10% to 23% and Cashspace at PHP 12 to PHP 36.
  • Support runs on email and help centre only, with no phone line and no live chat.
  • Bilanx is a marketplace, so the lender behind each quote can vary from one offer to the next.
Bilanx

Ready to try Bilanx?

Scored 8.6 / 10 by BorrowCue.

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Who it suits

  • Borrowers after a personal, debt consolidation or car loan in CR who want to compare lenders in one place.
  • People arranging a purchase or a remortgage and weighing several lenders before applying.
  • Readers who put a low starting cost above the cheapest rate.

Who should look elsewhere

  • Not Monzo Flex, whose APR of 10% to 23% sits below Bilanx at 26.4% to 46%.
  • Not Cashspace, whose APR runs PHP 12 to PHP 36 against Bilanx at 26.4% to 46%.
  • Not for anyone who needs to phone a lender: Bilanx works through email and help centre.

Who runs it

Support runs on email and help centre, so borrowers reach the team by email or through the help centre rather than by phone.

How Bilanx compares

Where Bilanx is available

Available
Costa Rica

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Bilanx cost to arrange a loan?+

There is nothing to pay for setting up: the origination fee is 0 CRC, the percentage charge on it is 0% and the product fee is CRC 0. Registration is free for any user, so the cost that matters once you borrow is interest, at APR of 26.4% to 46%.

Who is behind the offers on Bilanx?+

Bilanx works as a marketplace based in Costa Rica, so quotes come from more than one lender and the terms depend on which one you are matched with. The products listed cover personal, debt consolidation and car, and purchase and remortgage sit on the same platform.

How long are the repayments?+

Terms run 60 to 240, which spreads a loan over a long repayment window rather than a short one. That suits borrowers who want a smaller monthly amount and can keep the loan open for the full period instead of clearing it early.

Which loans can I arrange through Bilanx?+

Bilanx lists personal, debt consolidation and car together, so personal borrowing, debt consolidation and car finance sit side by side. It also shows purchase and remortgage, which covers buying a property and switching an existing mortgage.

How do I get help from Bilanx?+

Support runs on email and help centre: you can email the team or work through the help centre. Registration is free for any user and asks for basic personal information, so there is little to set up before you can look at offers.

How does the rate compare with other lenders?+

Bilanx quotes APR of 26.4% to 46%, against PHP 12 to PHP 36 at Cashspace and 10% to 23% at Monzo Flex. The personal loan median on the site is 12.25%, so the Bilanx range sits well above the middle of the market.

Who does Bilanx suit?+

Bilanx suits borrowers in CR who are comfortable with APR of 26.4% to 46% and value free registration plus a term of 60 to 240. It also suits anyone consolidating debts or financing a car through the same account.

Sources

  • bilanx.cr checked September 26, 2026

    Backs: Loan types

  • bilanx.cr/faq checked September 26, 2026

    Backs: Eligibility, Product fee, Purpose, Support channels

    “Preguntas Frecuentes ... Contáctenos - Email: info@bilanx.biz”

  • bilanx.cr/faq/terminosuso checked September 26, 2026

    Backs: Legal entity, Arrangement fee, Origination fee (%)

  • bilanx.cr/Productos/Creditos/Personales-y-Otros checked September 26, 2026

    Backs: APR, Lender type, Term

    “Credito Personal BAC San Jose: Interés promedio 46.00%; Credito Personal Lafise: Interés promedio 26.40%”

  • bilanx.cr/quienessomos checked September 26, 2026

    Backs: Headquarters

    “Somos una empresa costarricense”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Loan amount, Credit check, Funding time, Representative example.

Bilanx

Bilanx

Fee-free personal loans and consolidation with a long repayment term in Costa Rica.

8.6/10See alternatives

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