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State directory · PR

CDFI lenders in Puerto Rico

124 certified CDFIs lend in Puerto Rico, going by their own websites, the CDFI Fund list and FDIC/NCUA branch records; 83 are headquartered here. Grouped below by the evidence. Sources: CDFI Fund list as of 21 Oct 2026; lender websites read 29 Oct 2026–4 Nov 2026.

Lend here
124
Headquartered here
83
Verified from lender sites
81
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Who lends in Puerto Rico

124 lenders, each counted once

Each lender is listed once, under the strongest evidence we have. 83 certified CDFIs are headquartered in Puerto Rico (CDFI Fund list, 21 Oct 2026); 2 of them appear in the first groups because their website names an area here.

By loan type

Lenders that name an area in Puerto Rico or are headquartered here and describe the loan type on their own website (Lender websites, read 29 Oct 2026–4 Nov 2026). Not mentioned does not mean not offered.

County pages

Cities with a CDFI headquarters

A listing here is evidence, not an offer: confirm with the lender that it lends where you are and to borrowers like you. For your exact address, search your ZIP code in the finder.

Name Puerto Rico or a region of it in their service area (2)

Their website names Puerto Rico or a region of it, without saying statewide or naming a county or town. Check the exact area with the lender. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Headquartered in Puerto Rico, no service area stated here (81)

The CDFI Fund list (as of 21 Oct 2026) gives a headquarters address in Puerto Rico. The pages we read name no county, town, region or statewide area in Puerto Rico, or we have not read the lender's website yet; where a lender states an area elsewhere or nationwide, it is shown on its row. Not found does not mean they do not lend here.

Based elsewhere, with a branch or office in Puerto Rico (1)

Banks and credit unions headquartered in another state with at least one office in Puerto Rico (FDIC office data as of 30 Oct 2026, NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.

Say they lend nationwide (40)

Their website says they lend across the United States and does not exclude Puerto Rico. Nationwide does not always include the U.S. territories; ask the lender. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Show the 40 lenders that say they lend nationwide

More loan types in Puerto Rico

Lender websites, read 29 Oct 2026–4 Nov 2026

Loan types with too few lenders here for a page of their own. Each row quotes the lender's website.

Microloans (2)

SBA Loans (5)

Commercial Real Estate Loans (3)

Equipment Loans (6)

Home Repair Loans (1)

Personal Loans (38)

Auto Loans (37)

Credit-Builder Loans (5)

Farm and Agriculture Loans (1)

Nonprofit Facility Loans (2)

CDFI Fund awards

79 of the 83 certified CDFIs headquartered in Puerto Rico have received CDFI Fund awards, $333.1 million in total; the largest: Cooperativa de Ahorro y Credito de Camuy ($9.6 million), Cooperativa De Ahorro y Credito La Sagrada Familia ($9.2 million), Cooperativa de Ahorro y Credito Jesus Obrero ($8.9 million). All CDFI Fund award recipients based in Puerto Rico, certified today or not: $336.2 million in 337 awards, 1998–2025.

Awards go to the institutions, not to borrowers; totals exclude New Markets Tax Credit allocations and bond guarantees. All states ranked. 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.

Puerto Rico's cooperativas in COSSEC's figures

On 30 Jun 2026, 91 cooperativas de ahorro y crédito insured by COSSEC held $12.66 billion in assets and $7.96 billion in loans for 1,166,126 members; 2.28% of loans were delinquent. 76 of them are Treasury-certified CDFIs listed here.

Average interest rates on loans they hold

Loan typeHeldAverage rate
Personal loans to members$2.90 billion9.10%
First mortgages$1.78 billion5.92%
New-vehicle loans$1.46 billion6.20%
Used-vehicle loans$432.9 million9.74%
Business loans to members$310.6 million7.55%
Other mortgage loans$282.3 million6.45%
Credit cards$120.3 million11.19%
Loans to small and mid-size businesses$91.2 million7.95%
Construction loans to individuals$91.0 million6.15%
Loans to nonprofits$34.3 million7.18%

Balance-weighted averages across all 91 cooperativas of the loans on their books, not APRs, not offers and not any one cooperativa's rates.

The 76 certified cooperativas by size
RankCooperativaTotal assetsMembers
1Cooperativa de Ahorro y Credito de Rincon
Rincon		$942.0 million
+5.5% in a year		54,126
2Cooperativa de Ahorro y Credito de Arecibo d/b/a COOPACA
Arecibo		$826.8 million
-0.1% in a year		119,649
3Cooperativa de Ahorro y Credito Barranquitas
Barranquitas		$533.3 million
+4.4% in a year		35,145
4COOPERATIVA DE AHORRO Y CREDITO LAS PIEDRAS
Las Piedras		$501.9 million
+1.4% in a year		79,119
5Cooperativa de Ahorro y Credito Oriental
Humacao		$446.2 million
+1.2% in a year		27,167
6COOPERATIVA DE AHORRO Y CREDITO DE ISABELA
Isabela		$385.3 million
+3.6% in a year		48,688
7Cooperativa de Ahorro y Credito de Camuy
Camuy		$381.5 million
+6.5% in a year		20,348
8Cooperativa de Ahorro y Credito Vega Alta
Vega Alta		$371.5 million
+2.1% in a year		40,629
9Cooperativa de Ahorro y Credito de Cabo Rojo
Cabo Rojo		$355.1 million
+2.2% in a year		35,909
10Cooperativa De Ahorro y Credito La Sagrada Familia
Corozal		$352.2 million
+3.8% in a year		40,693
11COOPERATIVA DE AHORRO Y CREDITO DE MANATI
Manati		$349.1 million
+4.3% in a year		32,264
12Cooperativa de Ahorro y Credito San Jose
Aibonito		$332.4 million
+2.7% in a year		30,202
13COOPERATIVA DE AHORRO Y CREDITO VILLA-COOP AGUSTIN BURGOS RIVERA
Villaba		$294.2 million
+2.2% in a year		18,325
15Cooperativa de A/C Dr M Zeno Gandia
Arecibo		$287.1 million
+3.3% in a year		26,661
16Cooperativa Ahorro y Credito Roosevelt Road
Fajardo		$252.9 million
+2.6% in a year		24,559
17Cooperativa De Ahorro Y Credito De Lares
Lares		$242.5 million
+2.7% in a year		16,975
18Cooperativa de A/C de Maunabo
Maunabo		$240.9 million
-2.3% in a year		18,792
19San Rafael Coop
Quebradillas		$238.1 million
+2.8% in a year		31,887
20Cooperativa De Ahorro Y Credito Nuestra Senora De La Candelaria (CANDELCOOP)
Manati		$225.6 million
-10.6% in a year		15,959
21Cooperativa de Ahorro y Credito de Yauco
Yauco		$187.8 million
+5.3% in a year		11,869
22Cooperativa de Ahorro y Credito Aibonitena
Aibonito		$171.6 million
+1.2% in a year		20,449
23Cooperativa De Ahorro Y Credito Del Valenciano
Juncos		$168.2 million
-1.9% in a year		16,712
24Cooperativa de Ahorro y Credito de Juana Diaz
Juana Diaz		$166.6 million
+2.3% in a year		19,808
25Cooperativa de Ahorro y Credito Hatillo
Hatillo		$157.4 million
+2.0% in a year		18,523
26COOPERATIVA DE AHORRO Y CREDITO NAGUABENA
Naguabo		$157.2 million
+8.2% in a year		10,787
27COOPERATIVA DE AHORRO Y CREDITO AGUADILLA
Aguadilla		$155.0 million
+3.5% in a year		15,117
28Cooperativa de Ahorro y Credito Cristobal Rodriguez Hidalgo d/b/a Cooperativa A/C Rodriguez Hidalgo
Coamo		$154.4 million
-6.0% in a year		11,415
29Cooperativa De Ahorro Y Credito De La Asociacion De Maestros De Puerto Rico
San Juan		$147.0 million
-1.9% in a year		11,142
31Cooperativa de Ahorro y Credito La Puertorriquena
San Juan		$142.1 million
+1.0% in a year		13,520
32Cooperativa de Ahorro y Credito Caguas
Caguas		$138.4 million
+1.3% in a year		12,270
33Cooperativa de Ahorro y Credito Jesus Obrero
Caguas		$135.7 million
+2.1% in a year		10,585
34Cooperativa De Ahorro Y Credito Cidrena
Cidra		$129.8 million
+4.6% in a year		14,655
35Cooperativa de Ahorro y Credito Pepiniana
San Sebestian		$124.9 million
+2.0% in a year		9,070
36Cooperativa de Ahorro y Credito Aguas Buenas d/b/a BUENACOOP
Aguas Buenas		$120.2 million
-0.6% in a year		14,361
37Cooperativa de Ahorro y Crédito Hermanos Unidos
San Juan		$109.5 million
+4.1% in a year		4,751
38Cooperativa De Ahorro & Credito San Blas De Illescas
Coamo		$106.7 million
+2.5% in a year		9,520
39Cooperativa de Ahorro y Credito Morovena
Morovis		$105.7 million
+1.5% in a year		15,983
40Cooperativa de Ahorro y Credito Bo. Quebrada de Camuy, P.R.
Camuy		$103.9 million
+2.8% in a year		8,694
41Cooperativa de Ahorro y Credito Yabucoena
Yabucoa		$99.5 million
+5.6% in a year		8,856
42COOPERATIVA DE AHORRO Y CREDITO PADRE SALVADOR RUFFOLO (PARROCOOP)
Villalba		$99.3 million
-0.5% in a year		8,061
43COOPERATIVA AHORRO Y CREDITO DE MOCA
Moca		$99.1 million
+1.6% in a year		16,574
44Cooperativa de Ahorro y Credito Caribe Coop
Guayanilla		$96.4 million
+1.9% in a year		7,186
45Cooperativa de Ahorro y Credito Padre MacDonald
Ponce		$93.5 million
+0.3% in a year		6,225
46Cooperativa de Ahorro y Credito de Mayaguez
Mayagüez		$91.1 million
+0.2% in a year		12,400
47Cooperativa De Ahorro Y Credito Saulo D. Rodriguez Gura-Coop
Gurabo		$89.3 million
+3.6% in a year		6,785
48Cooperativa de Ahorro y Credito de Lajas
Lajas		$88.2 million
+3.6% in a year		7,343
49COOPERATIVA DE AHORRO Y CREDITO CUPEY ALTO
Cupey Alto		$87.6 million
+5.3% in a year		6,934
50Cooperativa de Ahorro y Credito de la Industria Biofarmaceutica
Carolina		$87.0 million
-1.1% in a year		4,218
51Coop Ahorro y Credito Lomas Verdes
Bayamon		$83.1 million
+2.7% in a year		7,498
52COOPERATIVA DE CREDITO LA COMERIEÑA
Comerío		$75.4 million
+0.6% in a year		6,590
53Cooperativa de Ahorro y Credito de Jayuya Incorporada
Jayuya		$73.2 million
-0.7% in a year		7,448
54Cooperativa de Ahorro y Crédito TUCOOP
San Juan		$72.3 million
+29.7% in a year		3,225
55Cooperativa De Ahorro y Credito Comunal San Miguel De Naranjito
Naranjito		$68.4 million
-0.1% in a year		5,456
57Cooperativa de Ahorro y Crédito Florida
Florida		$66.8 million
+1.1% in a year		8,537
58Cooperativa de Ahorro y Credito Vegabajena
Vega Baja		$59.0 million
-3.1% in a year		7,012
59COOPERATIVA DE AHORRO Y CREDITO DE SANTA ISABEL
Santa Isabel		$57.0 million
-6.2% in a year		6,312
60COOPERATIVA DE AHORRO Y CREDITO DE LA FEDERACION DE MAESTROS DE PUERTO RICO (FEDECOOP)
Rio Piedras		$52.3 million
-1.4% in a year		6,793
62COOPERATIVA DE AHORRO Y CREDITO DE SALINAS (SALICOOP)
Salinas		$36.9 million
+4.9% in a year		3,851
63COOPERATIVA DE AHORRO Y CREDITO DE LA UNIVERSIDAD DE PUERTO RICO (UNIVERSICOOP)
San Juan		$35.9 million
-0.9% in a year		3,991
64Nuestra Coop
San Juan		$25.2 million
-9.4% in a year		1,947
65FAMILIAR COOP
San Juan		$17.0 million
-7.1% in a year		1,681
66Cooperativa De Ahorro Y Credito De Los Empleados De La Corporacion Del Fondo Del Seguro De Estado
San Juan		$16.8 million
-2.2% in a year		1,229
67COOPERATIVA DE AHORRO Y CREDITO UITICE, INC; ELECTRO-COOP (COOPERATIVA DE AHORRO
San Juan		$16.0 million
+6.5% in a year		737
68Cooperativa A/C Empleados Municipales Guaynabo
Guaynabo		$14.2 million
+1.9% in a year		1,853
70Cooperativa de Ahorro y Credito Centro Gubernamental Minillas (Gubecoop)
San Juan		$13.7 million
+3.3% in a year		1,209
71Cooperativa de Ahorro y Credito Isla Coop. d/b/a Pueblo Coop
Carolina		$12.9 million
-0.5% in a year		1,043
72COOPERATIVA DE AHORRO Y CREDITO DEL TRIBUNAL GENERAL DE JUSTICIA (JUDICOOP)
San Juan		$12.7 million
-2.7% in a year		1,612
75Cooperativa de Ahorro y Credito Autoridad de Carreteras y Obras Publicas
San Juan		$9.51 million
+1.2% in a year		1,092
76COOP CIAPR
San Juan		$9.45 million
+0.2% in a year		798
77Cooperativa de Ahorro y Credito de la Casa del Trabajador
San Juan		$9.32 million
-4.0% in a year		732
81Cooperativa de Ahorro y Credito de San Juan
San Juan		$7.86 million
+3.2% in a year		1,017
82COOPERATIVA DE AHORRO Y CREDITO ANA G. MENDEZ
San Juan		$7.82 million
+2.0% in a year		834
83COOPERATIVA DE AHORRO Y CREDITO GOYA DE PUERTO RICO
Bayamon		$5.57 million
-1.4% in a year		398
85Cooperativa de Ahorro y Credito de los Empleados del Departamento de Hacienda
San Juan		$3.88 million
-1.9% in a year		674
88Cooperativa de Ahorro y Credito Empleados de Bacardi Corporation
Cataño		$2.89 million
-2.9% in a year		278
90Cooperativa de Ahorro y Credito Rim-Coop
San Juan		$1.22 million
-2.6% in a year		126

Rank among all 91 cooperativas by total assets. Size shows scale, not what a cooperativa would lend you.

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.

Free help in Puerto Rico

Free or low-cost advice before you apply: 10 Small Business Development Center offices; 1 SCORE chapter; 4 Women's Business Centers; 1 Veterans Business Outreach Center; 7 HUD-approved housing counseling agencies. Each county page lists the ones nearest to it. Sources: SBA local assistance listings (6 Nov 2026) and HUD's list of approved housing counseling agencies (last updated 9 Apr 2025).

Largest nonprofit loan funds based in Puerto Rico

IRS Form 990 data
Loan fundTotal assetsLoans receivableFY ends
Fondo de Inversion y Desarrollo Cooperativo$39.8M$4.4MDec 2023
Corporacion Para El Financiamiento Empresarial Del Comercio Y De Las Comunidades (COFECC)$7.2M$2.9MJun 2024
Ponce Neighborhood Housing Services$3.3M—Sep 2023

3 certified loan funds headquartered in Puerto Rico are matched to a Form 990 or 990-EZ; median total assets $7.2M. End-of-year figures self-reported to the IRS, from the IRS Annual Extract of Tax-Exempt Organization Financial Data; each row shows its own fiscal year. Assets are the organisation’s whole balance sheet, not only its loans; “Loans receivable” is Form 990 Part X line 7 (notes and loans receivable); “—” means that line was empty or zero, not that the fund has no loans.

SBA loans by CDFIs in Puerto Rico

SBA data as of 30 Sep 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 178 SBA approvals (16 7(a) loans and 162 504 projects) for borrowers in Puerto Rico in fiscal years 2020–2026, from 13 CDFIs. The 7(a) loans total $1.7M approved.

Most SBA approvals here: Corporacion Para El Financiamiento Empresarial Del Comercio Y De Las Comunidades (COFECC) (151), COOPERATIVA DE AHORRO Y CREDITO DE MANATI (19), Cooperativa de Ahorro y Credito Oriental (7), Cooperativa de Ahorro y Credito Cristobal Rodriguez Hidalgo d/b/a Cooperativa A/C Rodriguez Hidalgo (3).

Approval is not disbursement. Each lender page shows its own SBA figures.

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.

CDFI lending recorded in Puerto Rico (FY2022)

CDFI Fund data, released Dec 2024

1,558 loans and investments totaling $227.5M (median $95,000) were reported to the CDFI Fund for borrowers and projects in Puerto Rico in fiscal year 2022, by 27 reporting CDFIs.

Purpose (CDFI Fund category)CountTotalMedian
Home purchase1,171$144.8M$93,750
Non-real estate business174$64.1M$140,242
None of the listed purposes96$12.8M$92,500
Non-real estate microenterprise71$1.4M$19,063
Home improvement33$3.7M$102,500
Consumer10$20,000$2,250
Other purposes3$800,000

Of 99 individual borrowers whose income was reported, 32% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 61,458 consumer loans in Puerto Rico totaling $819.2M (Consumer Loan Report, tract totals, so no median); they counted 21% of them as serving low-income borrowers.

Counties with the most recorded loans and investments

Fiscal year 2022; 54 Puerto Rico counties have at least three. Records whose tract is not in a county we can match are counted in the state total only.

CountyCountTotal
San Juan municipio207$52M
Bayamon municipio92$13.6M
Arecibo municipio88$8.5M
Guaynabo municipio63$14.7M
Carolina municipio56$6.5M
Camuy municipio53$4.2M
Caguas municipio44$14.1M
Toa Alta municipio42$5.1M
Mayaguez municipio36$3.2M
Aguada municipio35$4.1M

Loans and investments reported in other years: FY2018 935 · FY2020 1,033 · FY2021 715.

Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.

Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.

Headquartered in Puerto Rico, by city

CDFI Fund list, 21 Oct 2026

83 certified CDFIs: 2 loan funds · 80 credit unions · 1 venture capital fund. A headquarters address is not a service area; each lender is also listed in its group above.

CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.

Source: CDFI Atlas, cdfiatlas.com/states/pr/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).