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Bilanx review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Bilanx is a Costa Rican loan marketplace worth a look for borrowers comparing personal, debt consolidation and car credit in a single place. Costs on the platform side are light, with a monthly fee of CRC 0 and origination fees of 0 CRC, but 26.4% to 46% is high next to the alternatives here.

Key facts

Best for
Comparing Costa Rican personal, car and consolidation loans without a monthly platform fee.
APR
26.4% to 46%↗
Term
60 to 240 months↗
Arrangement fee
0 CRC↗
Lender type
Marketplace↗
Eligibility
Free registration for any user, basic personal information required↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Car↗
Legal entity
SISTEMAS NOVEDOSOS EN LINEA S.R.L., cédula de persona jurídica 3-102-689698↗
Headquarters
Costa Rica↗
Support channels
Email, Help-centre↗
Pricing model
No monthly fee
Official website
bilanx.cr

Savings

Access terms
Free to browse the platform; a free registered member account is required to use the platform's own services↗
Monthly fee
CRC 0↗

Mortgages

Product fee
CRC 0↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • The platform side is free: a monthly fee of CRC 0, origination fees of 0 CRC and a product fee of CRC 0.
  • Registration is free for any user, and a free member account covers the platform's own services.
  • One place to compare personal, debt consolidation and car offers rather than a single lender's own rate.
  • Terms of 60 to 240 spread a balance over years rather than a few months.

Cons

  • Rates of 26.4% to 46% run well above 10.74% to 18.06% and PHP 12 to PHP 36 on the options listed alongside it.
  • Support runs on email and help centre only, so time-sensitive questions take longer to sort out.
  • A free registered member account is required to use the platform's own services, so registration comes before any application.
Bilanx

Ready to try Bilanx?

Scored 8.7 / 10 by SumCue.

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Who it suits

  • Borrowers in CR who want to see several lenders' personal loans in one place.
  • People shopping across personal, debt consolidation and car rather than picking a single lender first.
  • Applicants who weigh platform fees and interest separately and read both before applying.

Who should look elsewhere

  • Borrowers chasing the lowest rate: Sofkredit lists 10.74% to 18.06% and Cashspace sits at PHP 12 to PHP 36.
  • Applicants who want advice before they apply: Creduma ES states fees are charged only if a real solution is obtained.
  • Anyone who needs spoken or live support, since Bilanx lists email and help centre.

Who runs it

Anyone can register, and a free member account covers use of the platform's own services. Contact then runs on email and help centre, by email or through the help centre.

How Bilanx compares

Where Bilanx is available

Available
Costa Rica

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

Frequently asked questions

What does it cost to use Bilanx?+

The platform side is free: the monthly fee is CRC 0, the origination fee is 0 CRC and the product fee is CRC 0. Browsing carries no charge, and a free registered member account is enough to use the platform's own services. What you repay is the interest on the loan a matched lender offers.

What rate will I pay on a Bilanx loan?+

Listed rates run 26.4% to 46%, set by the lenders on the marketplace rather than by the platform. That range sits well above 10.74% to 18.06% and PHP 12 to PHP 36, so the rate is the main thing to weigh, not the platform charges. The lender, not Bilanx, decides what you pay.

How long can I borrow for?+

Repayment terms run 60 to 240, which gives room to spread a balance over years rather than months. A longer term brings the monthly amount down but keeps the loan open for longer, and the interest charged over the full period usually grows.

What can I borrow for on Bilanx?+

The catalogue covers personal, debt consolidation and car, so a personal loan, a consolidation of existing debts and car finance can be compared in the same place. Each offer comes from a lender rather than from the platform itself, which means the terms differ between them.

Who can register on the platform?+

Registration is free for any user and asks only for basic personal information. Browsing the platform costs nothing, while a free registered member account is required to use the platform's own services, which is where applications start.

How do I get help if something goes wrong?+

Contact runs on email and help centre, so questions go by email or through the help centre. Neither route is a live conversation, which can slow anything urgent around a loan that is already running.

Is Bilanx cheaper than the other options here?+

Not on borrowing cost. 26.4% to 46% sits above both PHP 12 to PHP 36 and 10.74% to 18.06%, though Bilanx does hold platform fees down with a monthly fee of CRC 0. On a loan of real size, the rate outweighs the platform charges.

Sources

  • bilanx.cr checked September 26, 2026

    Backs: Loan types

  • bilanx.cr/faq checked September 26, 2026

    Backs: Eligibility, Monthly fee, Product fee, Purpose, Support channels

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

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

    Backs: Access terms, Legal entity, Pricing model, 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.

Related by the facts

Bilanx

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Comparing Costa Rican personal, car and consolidation loans without a monthly platform fee.

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