At a glance
From its website, read 2 Nov 2026Cooperativa de Ahorro y Credito Padre MacDonald is a credit union based in Ponce, Puerto Rico. Its website describes auto loans, equipment loans, home mortgages and 2 other loan types. 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
| Website | www.padremacdonald.com |
|---|---|
| Office (official list) | PO Box 7022, Ponce, PR 00732 |
What their website says about applying
Licencia de Conducir, Pasaporte o Real ID vigente
sourceRecibo de Luz o Agua más reciente
sourceEvidencia de Ingreso reciente
sourceTalonario de pago reciente (dos)
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.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Aug 2026 |
| RSSD ID | 3878796 |
| Address | PO Box 7022, Ponce, PR 00732 |
| Website | www.padremacdonald.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 or service area are 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 | — | Financiamiento para autos nuevos y usados | source |
| Equipment loans | — | Financiamiento para compra de equipo, inventario, mejoras o capital de trabajo | source |
| Home mortgages | — | Alternativas de financiamiento para compra, construcción o refinanciamiento | source |
| Personal / consumer loans | — | Conoce los requisitos para Préstamos Personales con MacCoop | source |
| Small-business loans | — | Soluciones adaptadas a pequeñas y medianas empresas | 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
Ya sea para consolidar deudas, cubrir gastos imprevistos, realizar mejoras al hogar o
source
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.padremacdonald.com/
- https://www.padremacdonald.com/prestamos-personales/
- https://www.padremacdonald.com/financiamiento-de-auto/
- https://www.padremacdonald.com/prestamos-de-auto-demo/
- https://www.padremacdonald.com/gana-capitalizando/
- https://www.padremacdonald.com/prestamos-comerciales/
- https://www.padremacdonald.com/prestamos-hipotecarios/
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 home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your equipment loans and small-business loans?
Their website does not state a rate for this. - 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$3.6 million in 7 awards from the U.S. Treasury's CDFI Fund, 2019–2024 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | Small Dollar Loan Program | $280,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2019 | 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 | $93.5 million (up 0.3% from $93.2 million a year earlier) |
|---|---|
| Members (socios) | 6,225 (down 260 from a year earlier) |
| Full-time employees | 24 |
| Size | 45th 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%, business loans to members 7.55%, 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.
Other certified CDFIs in Ponce and Puerto Rico
- Ponce Neighborhood Housing ServicesLoan fund · Ponce, PROfficial list only
- 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
Work at Cooperativa de Ahorro y Credito Padre MacDonald? Link to this page
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