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Monifai review

Updated October 14, 2026 · SumCue Editorial Team

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Our verdict

Monifai offers personal lending in Costa Rica for purposes such as home renovation, debt consolidation and vehicle purchase. The product addresses salaried people and pensioners; salaried applicants must be Costa Rican citizens or permanent residents, and lending is subject to credit assessment.

Key facts

Best for
Costa Rica residents comparing personal lending for household or vehicle needs.
APR
36.48% to 51.51%↗
Loan amount
CRC 690,000 to CRC 9,000,000↗
Term
24 to 60 months↗
Arrangement fee
0 CRC, no hidden commissions on the personal loan↗
Credit check
Hard↗
Funding time
Money transferred to your bank account shortly after approval, fully digital process↗
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↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
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↗
Loan types
Personal, Debt-consolidation, Credit-line, Business, Student, Payday↗
Use cases
Home-improvement↗
Legal entity
Monifai de Costa Rica S.A. (cédula de persona jurídica 3-101-798849)↗
Headquarters
Costa Rica↗
Founded
2020↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Credit line
Official website
monifai.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Uses include home renovation, debt consolidation and vehicle purchase.
  • The product addresses salaried people and pensioners.

Cons

  • Salaried applicants must be Costa Rican citizens or permanent residents; all lending is subject to credit assessment.

Ready to try Monifai?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Costa Rica residents comparing personal lending for household or vehicle needs.

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

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

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

    Backs: Eligibility, Funding time, Arrangement fee, Support channels, 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 October 14, 2026. We did not open an account.

Monifai

Costa Rica residents comparing personal lending for household or vehicle needs.

8.9/10See alternatives