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Coopenae review

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

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Our verdict

Coopenae suits Costa Rican preferential clients who want a personal loan from a bank they already bank with and can clear early without charge. Its 20% to 30% is well above the 15.5% site median, and the Disbursement commission of 3% adds to the bill, so cost is the weak point.

Key facts

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

Mortgages

Maximum loan to value
90%↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Repaying early is free, so a loan cleared sooner costs no more
  • Money received within 48 hours of approval keeps the money moving once a decision is made
  • A direct lender, so Banco Promerica Costa Rica handles the loan end to end
  • Support runs on email, phone and help centre

Cons

  • A Disbursement commission of 3% is added on disbursement
  • Interest of 20% to 30% compares poorly with the 15.5% site median
  • Access is By invitation only, for preferential clients, so the loan is not open to walk in applicants
Coopenae

Ready to try Coopenae?

Scored 9.3 / 10 by SumCue.

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Who it suits

  • Preferential clients of Banco Promerica Costa Rica in Costa Rica
  • Home improvement projects listed under home improvement
  • Borrowers who value free early repayment over the lowest rate

Who should look elsewhere

  • Applicants without an invitation, since access is By invitation only, for preferential clients
  • Borrowers chasing a cheap rate, as 20% to 30% is well above the 15.5% site median
  • Anyone who needs a loan amount below from CRC 300,000

The company behind it

Coopenae is issued by Banco Promerica Costa Rica, a bank based in Costa Rica that lends directly rather than through a broker. Because it is the lender itself, the same institution handles the application, the disbursement and the repayments on a personal loan. The stated use is home improvement, so the money is aimed at improving a home. Support runs on email, phone and help centre for questions once an account is open.

How Coopenae compares

Where Coopenae is available

Available
Costa Rica

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

Frequently asked questions

What rate do Coopenae personal loans charge?+

Interest on a Coopenae personal loan runs at 20% to 30%. That sits above the 15.5% median across personal loans on the site, so the rate is one of the higher figures a reader is likely to meet. A Disbursement commission of 3% is charged on disbursement on top of the interest.

Who can apply for a Coopenae loan?+

Eligibility is By invitation only, for preferential clients, which means the loan is aimed at a narrow group of existing clients rather than open applications. Anyone outside that group should look at a lender with open eligibility, such as Sofkredit at 10.74% to 18.06% or Cashspace at PHP 12 to PHP 36.

How much can I borrow and for how long?+

Coopenae personal loans start at from CRC 300,000 and run to a term of up to 60. The stated use is home improvement, so the money is aimed at improving a home rather than any general purpose spending.

Is there a fee for taking out the loan?+

Yes. A Disbursement commission of 3% is charged on the personal loan, which is money paid on disbursement rather than as a monthly charge. Early repayment is free, so clearing the balance sooner carries no extra cost.

Which company is behind Coopenae?+

The lender is Banco Promerica Costa Rica, based in Costa Rica and lending directly rather than through a broker. As a direct lender, the same institution that assesses the application also handles the account and the repayments.

How quickly is the money paid out?+

Coopenae states that there is Money received within 48 hours of approval, so the wait is measured from approval rather than from application. That is the practical point to plan around when a home improvement job has a fixed start date.

How do I get help with a Coopenae account?+

Support runs on email, phone and help centre, giving a choice of channels rather than a single point of contact. The help centre sits alongside email, phone and chat, so questions about the loan or repayments can be raised in whichever way suits.

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.

Related by the facts

Coopenae

Coopenae

Preferential bank clients borrowing for home improvement in Costa Rica.

9.3/10See alternatives