At a glance
From its website, read 2 Nov 2026COOPERATIVA DE AHORRO Y CREDITO AGUADILLA is a credit union based in Aguadilla, Puerto Rico. Its website describes auto loans. Stated loan amounts run from $500 to $60,000. 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) 891-1755 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.aguacoop.com |
| Office (official list) | PO BOX 541, Aguadilla, PR 00603 |
What their website says about applying
Solicita Tu Prestamo En línea fácilmente a través de nuestro portal Oprima el enlace para acceder.
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.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Personal / consumer loans | Term: see their wording | Términos de hasta un máximo de 120 meses. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Ser socio de la Cooperativa
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) | 21 Aug 2026 |
| RSSD ID | 4537308 |
| Address | PO BOX 541, Aguadilla, PR 00603 |
| Website | www.aguacoop.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 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: high. The personal loan page gives both $30,000.00 and $50,000.00 as maximums; the $500 to $50,000 range is used, and no service area is stated on the pages fetched. 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 | up to $60,000 | ¿Quiere un auto nuevo? En la Cooperativa de Ahorro y Crédito de Aguadilla le ofrecemos financiamiento hasta $60,000.00. | source |
Loan sizes
Desde $500.00 hasta $50,000.00.
sourcele ofrecemos financiamiento hasta $60,000.00.
sourceFinanciamiento hasta $40,000.00.
source
Range used for the size filter: $500 to $60,000
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
Haga sus sueños realidad! Venga y solicite un préstamo personal hasta $30,000.00
source
Online application
Yes — the site links to an application. Solicita Tu Prestamo En línea fácilmente a través de nuestro portal Oprima el enlace para acceder.
source
Pages read (7)
- https://aguacoop.com/
- https://aguacoop.com/prestamos/prestamo-personal/
- https://aguacoop.com/prestamos/prestamo-auto-nuevo/
- https://aguacoop.com/prestamos/prestamo-auto-usado/
- https://aguacoop.com/prestamos/prestamo-personal/?xurl=s%3A%2F%2Fh6.helvetiabanking.com%2Fncusweb047%2F
- https://aguacoop.com/prestamos/prestamo-auto-nuevo/?xurl=s%3A%2F%2Fh6.helvetiabanking.com%2Fncusweb047%2F
- https://aguacoop.com/prestamos/prestamo-auto-usado/?xurl=s%3A%2F%2Fh6.helvetiabanking.com%2Fncusweb047%2F
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. - What is the APR, including fees, on your auto loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - 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$2.7 million in 2 awards from the U.S. Treasury's CDFI Fund, 2022 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $2,602,780 |
| 2022 | 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 | $155.0 million (up 3.5% from $149.7 million a year earlier) |
|---|---|
| Members (socios) | 15,117 (up 165 from a year earlier) |
| Full-time employees | 40 |
| Size | 27th 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%.
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 | $60,000 | Other credit unions whose website states a maximum: median $62,500. Higher than the stated maximum of 45% 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 45% |
“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.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 1 SBA-backed approval for COOPERATIVA DE AHORRO Y CREDITO AGUADILLA in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 0 · FY2021 0 · FY2022 1 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 504 projects (as the third-party lender) (1, 100%)
How this lender was matched in the SBA files: 504 third-party lender name: same organisation by name and state, checked by hand (SBA lists “Cooperativa de Ahorro y Credito de Aguad”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. COOPERATIVA DE AHORRO Y CREDITO AGUADILLA may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Aguadilla and Puerto Rico
- COOPERATIVA AHORRO Y CREDITO DE MOCACredit union · Moca, PRAuto / vehicle loans, Small-dollar / emergency loans, Energy / solar / efficiency loans, Home mortgages…Verified
- COOPERATIVA DE AHORRO Y CREDITO CUPEY ALTOCredit union · Cupey Alto, PRAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- COOPERATIVA DE AHORRO Y CREDITO DE LA FEDERACION DE MAESTROS DE PUERTO RICO (FEDECOOP)Credit union · Rio Piedras, PRAuto / vehicle loans, Small-dollar / emergency loans, Personal / consumer loansVerified
- COOPERATIVA DE AHORRO Y CREDITO NAGUABENACredit union · Naguabo, PRAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
- COOPERATIVA DE AHORRO Y CREDITO PADRE SALVADOR RUFFOLO (PARROCOOP)Credit union · Villalba, PRAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
- COOPERATIVA DE AHORRO Y CREDITO VILLA-COOP AGUSTIN BURGOS RIVERACredit union · Villaba, PRAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loans…Verified
Work at COOPERATIVA DE AHORRO Y CREDITO AGUADILLA? Link to this page
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