We stayed for 2 weeks in the Santa Teresa area (Nicoya peninsula, Costa Rica), and went twice a day for a surf. it was perfect, because we had every day good swell, a perfect beach for us beginners (sandy, no rocks, and almost no other surfers in the line), and fine warm water. Without wetsuits, we could stay over hours in the water.
There is no surf gear to rent, but a small surf shop in town. You can stay with a local surf camp (great house and dinner, very friendly and international guests, direct beach access) - it's called Zopilote Surf Camp. They have also surf boards included in their surf camp packages, so it's worth to check in advance if they have room for you.
If you want to stay in Santa Teresa, there are some small hotels, but without any gear. If you prefer an own home (let's say you're travelling with family or friends), then it's worth to think about renting a house. Some of them are right on the beach. Though we didn't rent one, I could have the chance to see one (it's called Casas Pura Vida and has an own pool, satellite tv, yard, and full kitchen) and they offer also some specials for couples.
We travelled with public busses, although the connections are not the best, but it's feasible in a reasonable time. An alternative is always to rent a car (but in San José or somewhere out of Nicoya).
In town, you will also find two supermercados, internet cafés, some bars and a few shops. It is still laid back, but there is also some constructing activity on the way.