BCR Card Sales

Credit Information

Our client profile  

Legally constituted companies and individuals with business activities

Economic sectors in which our clients are active:

  • Agriculture
  • Livestock
  • Industry
  • Trade
  • Services
  • Tourism


See financing for environmentally friendly buses (Spanish)

Maximum amount of credit to business or economic interest group

The Ley del Sistema Financiero (Financial System Act) provides that the maximum any financial institution may place for a company or economic interest group will be 20% of its capital.

The Banco de Costa Rica has the highest capital of the country, with $150 million.

However, our internal rules of banking prudence have established 7% capital as maximum credit. Therefore, the maximum loan is currently about $11.0 million.

For higher credits, in several cases we have adopted the figure of the agent bank where the BCR syndicate the total credit with other financial institutions and the client does meet their total financing needs.

Allocation of Interest rate

The BCR assigns interest rates according to the operation risk. That risk is determined based on the client´s financial information and according to other parameters like nature of the guarantee, company´s buiness risk, etc.

The rates in dollars are based on the Prime Rate Rate (TPR), and the rates in colones on the Basic Passive Rate (TBP) established by the BCCR Economic Division.

According to these concepts, below there are the rate range tables by risk level.. 

Credit Type

Current Rates


From TBP plus 4.00%

Dollars (generator)

From Prime Rate Rate

Dollars (not generators)

From Prime Rate plus 1.00%

* “Generators” are people who receive their income in Dollars


Interest Rate Liability Disclaimer

Interest rates are object to change at any time without previous notice due to financial market changes.  For such a reason, information included in current web site is for reference purposes only.  Any rate related to a specific transaction or business, shall be the effective rate as of formalization date.

For further information regarding interest rates, please call Customer Assistance Center at (506) 2211-1111 or write to CentroAsistenciaBCR@bancobcr.com

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