At a glance
From its website, read 2 Nov 2026Cooperativa de Ahorro y Credito de Cabo Rojo is a credit union based in Cabo Rojo, Puerto Rico. Its website describes auto loans, energy-efficiency loans, home mortgages and 1 other loan type. 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
| Lending | (787) 851-1337 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.caborojocoop.com |
| Office (official list) | PO BOX 99, Cabo Rojo, PR 00623 |
What their website says about applying
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 18 Aug 2026 |
| RSSD ID | 3873344 |
| Address | PO BOX 99, Cabo Rojo, PR 00623 |
| Website | www.caborojocoop.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: medium. No loan amounts, service area, or borrower focus were 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 | — | Disfrute de su próximo carro con una baja tasa de interés. | source |
| Energy / solar / efficiency loans | — | En Cabo Rojo Coop fomentamos el ahorro y por eso ayudamos a nuestra gente con el financiamiento de Equipos de Energía Renovable para la compra e instalación del mismo. | source |
| Home mortgages | — | Ofrecemos opciones para compra de residencia principal o secundaria, compra de terreno, construcción de residencia principal, refinanciamiento, entre otros. | source |
| Personal / consumer loans | — | Para lo que necesite tenemos su préstamo: consolidación de sus deudas, el viaje que siempre ha querido, mejoras a su hogar, lo que quiera. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
Cabo Rojo Coop te ofrece CoopWzapp, un servicio exclusivo para socios disponible a través de WhatsApp.
source
Online application
Yes — the site links to an application. Ahora puedes solicitar préstamos en línea
source
Pages read (7)
- https://caborojocoop.com/
- https://caborojocoop.com/prestamos-credito/
- https://caborojocoop.com/prestamos-de-auto/
- https://caborojocoop.com/prestamos-personales/
- https://caborojocoop.com/servicios/prestamos-de-auto/
- https://caborojocoop.com/servicios/prestamos-personales/
- https://caborojocoop.com/por-que-debo-solicitar-un-prestamo-personal/
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 are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and energy-efficiency 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. - How long can I take to repay?
No repayment terms are stated on their website. - 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$4.2 million in 4 awards from the U.S. Treasury's CDFI Fund, 2020–2022 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | Small Dollar Loan Program | $271,988 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | 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 | $355.1 million (up 2.2% from $347.5 million a year earlier) |
|---|---|
| Members (socios) | 35,909 (up 278 from a year earlier) |
| Full-time employees | 92 |
| Size | 9th 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%, first mortgages 5.92%, personal loans to members 9.10%.
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.
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 de Cabo Rojo 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 0 · FY2023 1 · 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 Cr<ac,e>dito de Cabo Rojo”).
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 de Cabo Rojo 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 Cabo Rojo 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 AGUADILLACredit union · Aguadilla, PRAuto / vehicle loansVerified
- 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
Work at Cooperativa de Ahorro y Credito de Cabo Rojo? Link to this page
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