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MultiMoney Costa Rica review

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

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Our verdict

MultiMoney Costa Rica offers Costa Rican borrowers a direct personal loan that lands the same day, at an APR of 15% to 18% over 60. It suits salaried citizens with a stable job who want speed and free early repayment, and its savings account pays 3.5% to 5.5%.

Key facts

Best for
Same-day digital personal loans for established Costa Rican borrowers.
APR
15% to 18%↗
Loan amount
CRC 300,000 to CRC 12,000,000↗
Term
60 months↗
Funding time
Money deposited in the customer's account in under 5 minutes, 100% digital process↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Costa Rican citizen over 21, monthly income above CRC 350,000, 3 months job stability; independent applicants need a credit card with over 12 months of history↗
Loan types
Personal, Credit-line↗
Legal entity
Financiera MultiMoney S.A.↗
Headquarters
Costa Rica↗
Support channels
Phone, Chat, Help-centre↗
Pricing model
Monthly
Features
Same-day funding, Credit line
Official website
multimoney.com

Savings

Headline rate
3.5% to 5.5%↗
Minimum deposit
CRC 0↗
Access terms
Withdraw savings 24/7 with no minimum term or amount; interest credited monthly↗
Account kind
Easy access↗

Personal insurance

Premium from
CRC 2,800↗
Insurance types
Life, Income-protection, Pet, Home-emergency↗
Provider type
Insurer↗
Monthly payments
Yes↗
Excess from
CRC 0↗
Cover limit
₡40,000,000 (Vida Platinum)↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
instagram.com

Pros and cons

Pros

  • same day funding and credit line, and money reaches the account within minutes on a fully digital process.
  • Early repayment is free, so settling a loan ahead of schedule carries no penalty.
  • Easy-access savings pays 3.5% to 5.5% on a CRC 0 minimum deposit, with withdrawals any time and interest credited monthly.
  • Help runs on phone, chat and help centre for loan, payment and claim questions.

Cons

  • Pricing is variable, so the cost of CRC 300,000 to CRC 12,000,000 in borrowing can rise as the variable rate moves.
  • The site median annual rate is 15.5%, so MultiMoney's 15% to 18% starts at that level and runs above it.
  • Lending is for Costa Rican citizens over a minimum age with a stable job and a qualifying income, and independent applicants need a credit card with a long history.
MultiMoney Costa Rica

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Scored 9.3 / 10 by SumCue.

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Who it suits

  • Costa Rican citizens with a stable job and a qualifying income who need cash within minutes.
  • Borrowers who want to settle a loan early without a penalty.
  • People who want an easy-access savings account held alongside a loan.

Who should look elsewhere

  • Cashspace, with an APR of PHP 12 to PHP 36, offers a wider pricing spread than MultiMoney's 15% to 18% for readers shopping outside Costa Rica.
  • Creduma ES lends in euro, so a reader who wants to borrow in euro rather than colones will find that a closer match.
  • Sofkredit, at an APR of 10.74% to 18.06%, starts cheaper than MultiMoney's 15% to 18% for a borrower focused purely on rate.

Safety of your money

MultiMoney is a direct lender, which means the direct lender relationship runs straight from the provider to your account, with no intermediary taking a fee or commission in between. You apply, agree the terms and repay the same company. The rate, the monthly amount and the early repayment terms sit in one set of conditions, so read them together against your budget before you sign.

How MultiMoney Costa Rica compares

Where MultiMoney Costa Rica is available

Available
Costa Rica
Licence in Costa Rica
SUGEF, checked September 26, 2026

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

Frequently asked questions

What rate will I pay on a personal loan?+

Personal loans are priced at an APR of 15% to 18%, and the rate is variable, which means the cost can shift over the life of the loan. Borrowing runs over 60, so a change in the rate feeds straight into the monthly amount. Check the current figure before you apply.

How much can I borrow, and for how long?+

You can take a personal loan of CRC 300,000 to CRC 12,000,000 or draw on a credit line, with a term of 60. MultiMoney lends as a direct lender in Costa Rica, so the amount offered turns on your income and job stability. Taking both at once makes the total monthly cost harder to see.

How quickly does the money arrive?+

Funding is same-day. Money is deposited in the account within minutes on a fully digital process, and the offer includes same day funding and credit line. That suits someone with a bill due the same week, and it removes the wait for a branch appointment or posted paperwork.

Can I repay the loan early?+

Early repayment is free, so settling the loan ahead of schedule carries no penalty. With 60 of term on offer and a variable rate, a borrower who pays down early is not charged for the months left. That matters if a bonus or a change in income lands mid-term.

Who can apply for the loan?+

Borrowing is for Costa Rican citizens over a minimum age, with monthly income above a set level and a few months of job stability. Independent applicants also need a credit card with a history of more than a year. The lending entity is Financiera MultiMoney S.A., based in Costa Rica.

What happens to the savings side of the account?+

Savings sit in an easy-access account paying 3.5% to 5.5%, with a CRC 0 minimum deposit. You can withdraw at any hour with no minimum term or amount, and interest is credited monthly. It suits readers who want one place for saving and borrowing rather than a fixed-term product.

Does MultiMoney sell insurance as well?+

It sells cover directly as an insurer, with premiums from CRC 2,800 a month and monthly payments. The range covers life, income protection and pet, the top life tier sits at ₡40,000,000 (Vida Platinum) and the excess starts at CRC 0. It is a natural add-on for an existing borrower or homeowner.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Representative example.

MultiMoney Costa Rica

MultiMoney Costa Rica

Same-day digital personal loans for established Costa Rican borrowers.

9.3/10See alternatives