Monifai: facts and offers

Updated September 28, 2026 · BorrowCue Editorial Team

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Key facts

APR
36.48% to 51.51% (Source, checked September 26, 2026)
Loan amount
CRC 690,000 to CRC 9,000,000 (Source, checked September 26, 2026)
Term
24 to 60 months (Source, checked September 26, 2026)
Arrangement fee
0 CRC, no hidden commissions on the personal loan (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Money transferred to your bank account shortly after approval, fully digital process (Source, checked September 26, 2026)
Representative example
Personal loan of ¢1,500,000 with a monthly payment of ¢54,960.98 over 60 months, payment includes all taxes and disbursement fees (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Costa Rican or permanent resident, over 21 years old, more than 3 months of job continuity, salaried with income over CRC 300,000 per month (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Credit-line, Business, Student, Payday (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Monifai de Costa Rica S.A. (cédula de persona jurídica 3-101-798849) (Source, checked September 26, 2026)
Headquarters
Costa Rica (Source, checked September 26, 2026)
Founded
2020 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
monifai.com

Apps and profiles

Elsewhere
LinkedIn

How Monifai compares

Where Monifai is available

Available
Costa Rica, El Salvador
Licence in Costa Rica
Unidad de Inteligencia Financiera del Instituto Costarricense sobre Drogas (SUGEF registration, Ley 7786 art. 15 bis) (IPO2020-05527), checked September 26, 2026

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

Frequently asked questions

Which company operates Monifai?+

Monifai is operated by Monifai de Costa Rica S.A. (cédula de persona jurídica 3-101-798849). (Source, checked September 26, 2026)

Where is Monifai based?+

Monifai is based in Costa Rica. (Source, checked September 26, 2026)

When was Monifai founded?+

Monifai was founded in 2020. (Source, checked September 26, 2026)

How can I contact Monifai support?+

Monifai offers support through Email, Phone, Help-centre. (Source, checked September 26, 2026)

Sources

  • monifai.com/cr checked September 26, 2026

    Backs: Representative example, Term, Loan amount, APR, Credit check, Founded, Free early repayment, Headquarters, Legal entity, Pricing model, Rate type, Licences

    “Oficinas Centrales: San José, Escazú, Edificio Corporativo Escazú Village.”

  • monifai.com/cr/credito-personal checked September 26, 2026

    Backs: Support channels, Eligibility, Funding time, Arrangement fee, Use cases

    “Remodelar tu casa.”

  • monifai.com/cr/nosotros checked September 26, 2026

    Backs: Lender type

  • monifai.com/cr/productos checked September 26, 2026

    Backs: Features, Loan types

    “Crédito Personal, Crédito Consolidación, Crédito Revolvente, Crédito Pyme, Microcrédito, Crédito Educa”

Compiled from 4 source pages, checked September 28, 2026. We did not open an account.

Monifai

8.9/10See alternatives

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