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What borrowers need to know about equity loans in Costa Rica

Borrowers need to know.

What are your options if you are looking for a loan in Costa Rica? While there are plenty of private lenders to choose from, not all of them are equal. Borrowers need to know at Gap Equity Loans; we strive to provide our clients with the best possible service and a loan that meets their needs. Here’s what you need to know about equity loans in Costa Rica.


Research Your Lender

As with any financial transaction, it’s essential to do your due diligence when choosing a lender. Look for reviews online and check out their website to ensure it looks professional and up-to-date. Try to find someone who has previously worked with the lender and can provide a referral.


Be Clear About Your Situation

When you come to us for a loan, we understand you may feel nervous or stressed. We are here to help, but we would appreciate your being upfront and clear about your situation. We want to find a way to facilitate the loan while keeping you and the lender protected. However, we will only help with a loan if you repay it. If that’s the case, selling your property may be better than borrowing money and risking legal fees, late penalties, and other expenses.


Full Disclosure Is Key

We require full disclosure from our borrowers to create a positive outcome for all parties involved. This means completing the application completely and honestly and providing all necessary documentation. We want to do a fair deal with everyone involved and can only do that if we have all the required information.


Our Lenders Are Looking for Safe Investments

Our lenders are retired individuals looking for a safe investment that will provide a decent return. They have chosen to work with us rather than tackle the complexities of starting a business or restaurant. As a borrower, you can feel confident that we are looking out for your best interests and those of our lenders.


Understanding the Loan Requirements

To make your decision to borrow from us, you will need to have a complete understanding of how our loans work if you don’t mind. We have listed all our requirements on our website, and we would like you to read them carefully before applying. We want you to know that we aim to help you in a time of need, but we can only do that if you are fully informed.



If you are considering an equity loan in Costa Rica, Gap Equity Loans is here to help. We are committed to providing our clients with lent service and a loan that meets their needs. By doing your research, being clear about your situation, and providing full disclosure, you can help us create a positive outcome for everyone involved. Please feel free to reach out to us today to learn more.

-Written by Glenn Tellier (Founder of Grupo Gap)



*Loan Request Form

    Your Information

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    Referral Name:

    Your Name:

    Your Email Address:

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    Loan Request

    Amount Requested:


    Use of Funds:

    Collateral Property Details

    Property Location: Please include Province, Town, and District

    Approx. Land Area: (pick square meters or square feet)

    Approx. Construction Area M2: (pick square meters or square feet)

    Property Value:


    Property Description: Please include the age and condition of the property

    What is/are your Land Survey (plano catastrado) or Lot number(s)? (optional)



    Frequently Asked Questions

    What is a private equity loan?

    A private equity loan is a type of loan secured by property equity, called collateral.

    Who are private lenders in Costa Rica?

    Private lenders in Costa Rica are individuals or organizations that provide loans to borrowers, typically for a higher interest rate than banks or other financial institutions.

    What are the typical interest rates for private equity loans in Costa Rica?

    Interest rates for private equity loans in Costa Rica can vary, but they are typically higher than traditional loans due to the higher risk assthemypes of loans.

    Can I get a private equity loan if I have bad credit?

    Private lenders may be more willing to lend to borrowers with less-than-perfect credit, but the interest rates may be higher.

    How much can I borrow with a private equity loan in Costa Rica?

    The amount you can borrow with a private equity loan in Costa Rica will depend on the value of the prop you use using as collateral. However, you can expect the rate to be about 12% to 16%.

    How long does it take to get a private equity loan in Costa Rica?

    The timeline for getting a private equity loan in Costa Rica can vary, but it usually takes a few days to weeks. It’s typically faster than getting a bank or other financial institution loan.

    What happens if I can’t pay back my private equity loan?

    If you can’t pay your private equity loan, the lender may foreclose on the property used as collateral.

    Can I sell my property while I have a private equity loan?

    Yes, you can sell your property while you have a private equity loan, but the loan will need to be paid off at the closing.

    What should I consider before getting a private equity loan in Costa Rica?

    Before getting a private equity loan in Costa Rica, it’s essential to consider the interest rate, the value of the property used as collateral, and whether you’ll be able to repay the loan promptly.



    If you need a loan, complete our application and get started now!



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