Your smart loan guide
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Puerto Rico borrowers who want a cooperative lender and need flexible repayment length on a personal loan.
| APR | 8.0–18.0% |
|---|---|
| Amount | $1k–$50k |
| ⚡ | online application |
CooPACA is a practical Puerto Rico option for smaller to mid-size personal loans, with amounts from $1,000 to $50,000 and unusually long repayment windows up to 144 payments.
Puerto Rico borrowers who already bank with Popular and want a fast unsecured personal loan option.
| APR | 6.49% |
|---|---|
| Amount | $2k–$35k |
| Term | 12–120 months |
| ⚡ | same day funding for eligible Popular customers |
Banco Popular is one of the strongest mainstream Puerto Rico options if you want a local bank lender, with unsecured personal loans from $2,000 to $35,000 and advertised rates starting at 6.49% APR.
Borrowers who want a straightforward online personal loan with smaller starting amounts than SoFi.
| APR | 7.74–35.99% |
|---|---|
| Amount | $1k–$50k |
| Term | 24–84 months |
| ⚡ | fast funding |
Upgrade is a good fit for borrowers who want a fixed-rate online loan and moderate borrowing limits, with $1,000 to $50,000 available over 24 to 84 months and APRs from 7.74% to 35.99%.
This loan is best suited for individuals seeking long-term financing with favorable terms, especially in local communities.
| APR | 5.99% |
|---|---|
| Amount | $2.5k–$50k |
| Term | 12–84 months |
| ⚡ | bank application |
The Oriental Bank Personal Loan offers solid options for borrowers in Puerto Rico, particularly for those with high credit scores.
Puerto Rico borrowers with solid credit who want a large fully online personal loan.
| APR | 7.74–35.49% |
|---|---|
| Amount | $5k–$100k |
| Term | 24–84 months |
| ⚡ | same day funding for qualified borrowers |
SoFi is a strong online option for Puerto Rico borrowers who want bigger loan sizes, with $5,000 to $100,000 loans, rates from 7.74% to 35.49% APR, and fast funding for qualified applicants.
Borrowers who want flexible loan purposes and a fixed-rate online lender with mid-range to large loan sizes.
| APR | 6.53–35.99% |
|---|---|
| Amount | $1k–$60k |
| Term | 24–84 months |
| ⚡ | as little as 24 hours after approval |
LendingClub is a solid online personal loan option if you want fixed payments and broad use cases, with $1,000 to $60,000 loans, 24 to 84 month terms, and APRs from 6.53% to 35.99%.