Competitive financing offers
Pacaso is the most flexible and accessible way to own a luxury vacation home. You have access to an exceptional range of financing offers, including rates as low as 5%. Browse Pacaso homes that qualify for special financing today.
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.
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Experience the Pacaso life for 12 months with one low upfront payment — no long-term commitment required.
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Financing FAQs
What are my options for financing?
Buyers have three options for payment. They can pay with cash or crypto, take out a personal line of credit, or access conventional financing through our partnership with Santander Bank.
Am I required to finance through Pacaso?
No. We offer integrated financing available to our buyers, but you are welcome to use other sources of capital like home equity financing or cash to purchase your home.
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.
What happens if one owner defaults?
If one owner defaults, Pacaso steps in as the guarantor of the loan and continues to make all payment obligations of the loan and any associated operating expense of that owner. If the owner cannot cure the default, Pacaso can resell the share to a new owner. This protection is one of the many benefits Pacaso owners enjoy with our fully managed limited company co-ownership programme.
Is the loan in my name?
The loan is between Santander Bank and the limited company. Borrowers access financing directly from the limited company.
Can I pay off my loan early?
Yes. There is no prepayment penalty for buyers who finance with Santander Bank.
How and when do I make my payments?
Your monthly payments are automatically deducted safely and securely using ACH.
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 pull out equity on my Pacaso share?
No. The Pacaso property cannot be encumbered by any other debt outside of the financing options arranged by Pacaso on behalf of the limited company. This is to protect every owner of the limited company. It is worth noting that in the case of a share being resold, any appreciation in the share price being sold is all kept by the selling owner, not Pacaso.
Who are your banking partners?
As a global company, Pacaso works with all large money center banks.