FLEXIBLE PAYMENT OPTIONS
Buy with confidence
Pay in cash
Use cash, or pay with crypto through BitPay, and enjoy mortgage-free Pacaso ownership.
Open a credit line
Tap a home equity line of credit (HELOC) or a personal line of credit.
Get financing
Unlock competitive financing, with rates under 5% on select homes.
Current financing options available
Financing under 5%
Enjoy zero interest for up to 36 months on select listings, as well as 5% financing on eligible resale homes.
PacasoNow: 12-month ownership
Experience the Pacaso life for 12 months with one low upfront payment — no long-term commitment required.
Financing FAQs
What down payment is required to purchase a share of a second home?
Buyers can finance up to 70% of their purchase. A minimum down payment of 30% is required. We offer competitive rates for all financing levels, with preferred rates for buyers paying 30-50% down.
How quickly can I get approved?
The approval process is straightforward and fast. We’ll request a copy of your driver’s licence, payslips, a tax return, a current bank statement and a credit report. Once all documents are provided, approval takes just a few days.
Is the loan in my name?
The loan is between Santander Bank and the limited company. Borrowers access financing directly from the limited company.
Is there a financing fee?
For buyers who choose to finance up to 70% of their purchase through Pacaso’s banking partners, a small fee will be assessed at closing. Our Crew will provide detailed information about financing options and costs.
Can I use crypto for a down payment and finance the rest of my home purchase?
Yes, eligible buyers can finance up to 70% of their purchase and pay their down payment in crypto. Monthly financing installments may only be paid in euros.
I want to purchase my Pacaso with crypto. How does the payment process work?
When you’re ready to pay, Pacaso will send a BitPay invoice by email. BitPay, our cryptocurrency payment facilitator, processes the transaction. Using BitPay, you’ll select your wallet and preferred cryptocurrency. Next, you fill in the payment details in your wallet, either manually or by scanning a QR code. You’ll then validate the transaction from your wallet. Upon validating the payment, you will immediately see the payment reflected on the invoice.
Peace of mind
We've got you covered
When buyers choose to finance their purchase, Pacaso serves as the corporate guarantor of the loan. This means you’re protected if another co-owner defaults. It's one of the many benefits of limited company co-ownership.
