Coopenae review

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

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Our verdict

Coopenae suits preferential clients in Costa Rica who already bank with the lender and want a personal loan for home improvement. Personal loan APR runs 20% to 30% and money lands Money received within 48 hours of approval. Access depends on an invitation, so anyone outside that group should look elsewhere.

Key facts

Best for
Preferential Costa Rica clients borrowing for a personal loan tied to home improvement.
APR
20% to 30% (Source, checked September 26, 2026)
Loan amount
from CRC 300,000 (Source, checked September 26, 2026)
Term
up to 60 months (Source, checked September 26, 2026)
Arrangement fee
Disbursement commission of 3% (Source, checked September 26, 2026)
Funding time
Money received within 48 hours of approval (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
By invitation only, for preferential clients (Source, checked September 26, 2026)
Origination fee (%)
3% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Banco Promerica Costa Rica (Source, checked September 26, 2026)
Headquarters
Costa Rica (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Chat (Source, checked September 26, 2026)
Official website
promerica.fi.cr

Mortgages

Maximum loan to value
90% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Banco Promerica Costa Rica (Source, checked September 26, 2026)
Headquarters
Costa Rica (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Chat (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Free early repayment, so clearing the balance early costs nothing extra
  • A direct lender, so 20% to 30% comes from the bank that carries the risk
  • Money arrives Money received within 48 hours of approval
  • Support runs through email, phone and help centre

Cons

  • Access is by invitation only, for preferential clients
  • A disbursement commission of 3% is added to the loan
  • Lending covers personal loans only, with up to 60 as the longest term
Coopenae

Ready to try Coopenae?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Existing preferential clients of the bank in Costa Rica
  • Borrowers funding home improvement from a personal loan
  • People who want to repay early without a charge

Who should look elsewhere

  • Anyone without an invitation, who should check Monzo Flex instead
  • Borrowers wanting a mortgage product, since only personal lending is listed
  • Shoppers who need a lower rate, because 20% to 30% sits above the 12% site median

Who runs it

Coopenae is the personal loan arm of Banco Promerica Costa Rica, a direct lender based in Costa Rica. It hands out personal loans, listed for home improvement use, rather than acting as a broker or marketplace. People already holding the bank's preferential status can ask about borrowing; access is by invitation only, so there is no open sign-up route. Support runs on email, phone and help centre.

How Coopenae compares

Where Coopenae is available

Available
Costa Rica

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

Frequently asked questions

What rate does a Coopenae personal loan cost?+

The listed APR runs 20% to 30%, and a disbursement commission of Disbursement commission of 3% is charged on the amount released. Borrowing is for personal loans only. Early repayment carries no charge, so clearing the balance sooner reduces the interest paid.

Who can apply for a Coopenae loan?+

Access is by invitation only and aimed at preferential clients of the bank, so an open application is not the route in. Existing clients can ask their branch. Applications from people outside that group have no stated path at Coopenae.

How long does a Coopenae loan take to arrive?+

The stated funding time is Money received within 48 hours of approval. That applies once the loan is approved, and approval comes after the bank reviews the application. Plans should allow for the review period as well as the transfer.

How much can I borrow and for how long?+

Borrowing starts at from CRC 300,000, and the longest term available is up to 60. Loans are personal loans, listed for home improvement, with a maximum loan to value of 90% on the secured side of the book.

Is there a charge for repaying a Coopenae loan early?+

No. Early repayment is free, so settling the balance before the end of the term carries no extra fee. That makes the effective cost depend on how long the money is kept, since the rate applies across the full term.

Is Coopenae regulated or covered by a protection scheme?+

No regulator, licence or protection scheme is named in the published information, so no deposit or savings protection can be assumed. The lender behind it is Banco Promerica Costa Rica, headquartered in Costa Rica. Anyone weighing the safety of the money should confirm position directly with the bank.

How do I get help from Coopenae?+

Support runs on email, phone and help centre, which covers phone, email, chat and a help centre. That gives a route for questions on the application, the Disbursement commission of 3% charge, or repayment dates. The bank itself is Banco Promerica Costa Rica.

Sources

  • promerica.fi.cr checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Solución Promerica Costa Rica: 2519-8090 | solucion@promerica.fi.cr (site menu also lists Asistente Virtual and Preguntas frecuentes)”

  • promerica.fi.cr/personas/creditos/credito-personal checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Free early repayment, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Term, Use cases

    “No te penalizamos si hacés abonos extra o cancelás antes.”

  • promerica.fi.cr/personas/creditos/seccion-creditos checked September 26, 2026

    Backs: Maximum loan to value, Purpose

    “Credit Hipotecario: financing up to 90% of the property value; minimum property value USD 75,000.00 or its equivalent in colones”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Representative example.

Coopenae

Coopenae

Preferential Costa Rica clients borrowing for a personal loan tied to home improvement.

9.2/10See alternatives

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