Lending software for Costa Rica

With SINPE Móvil on nearly every phone, Costa Rican borrowers expect payouts and repayments in seconds. lendhero arrives with CIC (SUGEF), TSE (Registro Civil) and SINPE already connected, so your team configures products instead of plumbing.

See the local stack
  • CRC (₡)
  • Spanish, English
  • 14 local connectors
  • 1–2 weeks to launch

Hola, Natalia

Approved₡ 1,500,000

815

Credit score

On-time payments

Monthly payment₡ 148,000

Market profile

Costa Rica at a glance

What lendhero is set up for in Costa Rica before your team logs in.

Currency

CRC (₡)

Languages

Spanish, English

Supervisor

Superintendencia General de Entidades Financieras

Credit data

CIC (SUGEF), TransUnion Costa Rica

Payout rails

SINPE, SINPE Móvil

Data protection

Ley 8968

14
local connectors wired in before kickoff
CRC
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Spanish, English

Working with borrowers in Costa Rica

Tools for every borrower conversation

Borrowers in Costa Rica apply, sign, pay and come back for repeat loans in Spanish and CRC.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Infobip automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowInfobip
New receipt in your portalSMS

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Spanish.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Natalia · Consumer loan, 6 months · ₡ 1,500,000

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Costa Rica stack, connected before kickoff.

lendhero ships with the connectors lenders in Costa Rica use every day, from CIC (SUGEF) to SINPE Móvil. New ones are added through the open API.

  • Credit bureaus & registries2 connectors
    • CCIC (SUGEF)
    • TTransUnion Costa Rica
  • Identity & KYC2 connectors
    • TTSE (Registro Civil)
    • MMetaMap
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails2 connectors
    • SSINPE
    • SSINPE Móvil
  • Repayments & collections3 connectors
    • SSINPE Móvil
    • DDomiciliación
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Costa Rica

Applicants are checked with CIC (SUGEF) and TransUnion Costa Rica, and money moves via SINPE and SINPE Móvil.

Client checks

Checks connected in Costa Rica:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationTSE (Registro Civil), MetaMapPass
  • Credit bureausCIC (SUGEF), TransUnion Costa RicaPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statement parsingReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Costa Rica:

DisbursementSINPE, SINPE Móvil in CRC
RepaymentSINPE Móvil, Domiciliación, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • SINPE
  • SINPE Móvil
  • Domiciliación
  • Bank debit

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in CRC are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

₡ 1,500,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid ₡ 535,000 of ₡ 1,605,0002 of 6 payments
DateAmountStatus
Sep 4₡ 267,500Paid
Oct 4₡ 267,500Paid
Nov 4₡ 267,500Due in 7 days
Dec 4₡ 267,500Upcoming
Jan 4₡ 267,500Upcoming
Reminder sentYour payment of ₡ 267,500 is due Nov 4

Loan flow

How a loan runs in Costa Rica. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Spanish and English.
  2. 02VerifyIdentity and documents are checked through TSE (Registro Civil) and MetaMap.
  3. 03DecideScorecards pull CIC (SUGEF) and TransUnion Costa Rica data and return a decision in seconds.
  4. 04DisburseFunds go out via SINPE or SINPE Móvil in CRC, straight after signing.
  5. 05CollectRepayments arrive via SINPE Móvil and Domiciliación, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

₡ 1,500,000

Next payment

₡ 267,500 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

NataliaVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Costa Rica launch on .

Consumer creditPersonal loans paid out over SINPE Móvil.
Cooperative lendingMember credit for cooperatives and savings associations.
SME creditWorking capital and equipment loans.

Compliance

Configured for SUGEF and Ley 8968.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Costa Rica.

Hosting & data residency

Cloud or on-premise deployment, with data stored where Ley 8968 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Ley 8968.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for SUGEF rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Mexico & Central America

All Latin America markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Costa Rica?+

Yes. The platform is set up for CRC, Spanish and English and SUGEF requirements, with 14 local connectors ready on day one.

Which credit data sources are connected in Costa Rica?+

CIC (SUGEF), TransUnion Costa Rica. On top of that, identity checks run through TSE (Registro Civil) and MetaMap and bank data comes from Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via SINPE and SINPE Móvil in CRC. Repayments arrive via SINPE Móvil, Domiciliación and Bank debit, with reminders over WhatsApp Business and Infobip.

How long does a launch in Costa Rica take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 14 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Costa Rica? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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