COOPERATIVA AHORRO Y CREDITO DE MOCA — Credit union, Moca, PR

At a glance

From its website, read 2 Nov 2026

COOPERATIVA AHORRO Y CREDITO DE MOCA is a credit union based in Moca, Puerto Rico. Its website describes auto loans, small-dollar emergency loans, energy-efficiency loans and 2 other loan types. Stated loan amounts run up to $50,000. It says it considers borrowers with low or no credit history. You can start an application online. It serves borrowers in Spanish.

Each point is backed by a quote further down this page. Terms change: confirm with the lender.

How to reach them and apply

Main	(787) 877-4600 source
Apply online	Page with the application link
Website	www.mocacoop.com
Office (official list)	Cll Calazan Lasalle Esquina Expreso 111, Moca, PR 00676

What their website says about applying

Comuníquese con nuestro Oficial de Auto y obtenga más información. source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

Who qualifies, in their words

No or thin credit history considered ¿NO tienes experiencia de crédito? Te lo financiamos a la mejor taza del mercado. source

Only rules the lender's own pages state. Other requirements may apply.

Official record

CDFI Fund list, 21 Oct 2026

Institution type	Credit union
Native CDFI	No
Date certified (as listed)	19 Oct 2026
RSSD ID	4985637
Address	Cll Calazan Lasalle Esquina Expreso 111, Moca, PR 00676 Directions (Google Maps)
Website	www.mocacoop.com

Loans and eligibility

Verified from lender site on 2 Nov 2026

Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No service area or borrower eligibility rules are stated on the pages fetched, and the auto and mortgage pages give no amounts. Terms change — confirm with the lender before applying.

Product	Amount stated	Text on the lender's site (verbatim, incl. menu labels)	Page
Auto / vehicle loans	—	Prestamos de autos:	source
Small-dollar / emergency loans	up to $6,000	Emergencia hasta $6,000:	source
Energy / solar / efficiency loans	—	Ofrecemos préstamos de auto, préstamos hipotecarios, préstamos personales, Préstamos de energía Renovable y de emergencia.	source
Home mortgages	—	Tenemos hipotecas para propósito de compra de casa, terreno, construcción de casa, mejoras y refinanciamiento.	source
Personal / consumer loans	up to $50,000	Personales hasta $50,000:	source

Loan sizes

Personales hasta $50,000: source
Si eres un socio con 24 meses de crédito excelente, en o fuera de la cooperativa, te podemos prestar hasta $15,000; sin firmas, si cualificas. source
Emergencia hasta $6,000: source

Range used for the size filter: not stated to $50,000

Service area

Not stated on the pages we read.

Borrower focus

Not stated on the pages we read.

Languages

Spanish Te ofrecemos este préstamo sin firmas para que puedas resolver esas emergencias que tanto te preocupan. source

Online application

Yes — the site links to an application. SOLICITA TU PRESTAMO source

Pages read (6)

Questions to ask when you contact them

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

Do you lend where I live, or where my business is?
Their website does not say which area they serve.
How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members.
Is there a minimum loan amount?
Their website gives a maximum ($50,000) but no minimum.
What is the APR, including fees, on your auto loans and small-dollar emergency loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare.
How long can I take to repay?
No repayment terms are stated on their website.
Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say.
What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

CDFI Fund awards

CDFI Fund database, 3 Nov 2026

$3.2 million in 4 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance).

Round year	Program	Amount
2024	CDFI Program, Technical Assistance	$300,000
2022	CDFI Equitable Recovery Program	$2,602,780
2022	CDFI Program, Technical Assistance	$125,000
2021	CDFI Program, Technical Assistance	$125,000

These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.

Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.

What the regulator's figures show

COSSEC, 30 Jun 2026

Total assets	$99.1 million (up 1.6% from $97.6 million a year earlier)
Members (socios)	16,574 (down 11 from a year earlier)
Full-time employees	28
Size	43rd largest of Puerto Rico's 91 cooperativas de ahorro y crédito by total assets

Puerto Rico's cooperativas de ahorro y crédito are supervised and insured by COSSEC, the island's public corporation for cooperatives, not by the NCUA, so they do not appear in federal credit-union data. These figures come from the quarterly report each cooperativa files with COSSEC. Source: COSSEC, Estadísticas Industria Cooperativas de Ahorro y Crédito for the quarter ending 30 Jun 2026 (year-ago figures: quarter ending 30 Jun 2025), downloaded 7 Nov 2026. Size and members show scale, not what it would lend you.

Average rates across Puerto Rico's cooperativas

On loans already on their books on 30 Jun 2026, weighted by balance, across all 91 cooperativas: new-vehicle loans 6.20%, used-vehicle loans 9.74%, personal loans to members 9.10%, first mortgages 5.92%.

These are island-wide averages of existing loans. They are not an APR, not an offer and not this cooperativa's own rates. Ask the cooperativa for the APR it would charge you.

How it compares

Computed from public data

Measure	This lender	Compared with
Largest loan its website states	$50,000	Other credit unions whose website states a maximum: median $62,500. Higher than the stated maximum of 23% of these 64.

How these comparisons were worked out

Measure	Peer group (this lender left out)	Peers	Where this lender sits
Largest stated loan	other credit unions stating a maximum, nationwide	64	higher than 23%

“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology.

Other certified CDFIs in Moca and Puerto Rico

All 83 CDFIs in Puerto Rico

Work at COOPERATIVA AHORRO Y CREDITO DE MOCA? Link to this page

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