Personal loans in Puerto Rico
Consumer lending in Puerto Rico is regulated by the Puerto Rico Office of the Commissioner of Financial Institutions. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.
Lending rules in Puerto Rico
| Payday lending | Permitted and regulated.Source: National Conference of State Legislatures · as of 2023 |
|---|---|
| Small-loan / installment licensing | Consumer lenders must obtain a state license (Yes). Statutory basis: P.R. Laws Ann. tit. 10 § 941 et seq. Licensing administered through NMLS: No.Source: Conference of State Bank Supervisors · as of 2026 |
| Interest rate cap (usury limit) | Usury limit: see regulator. Finance rates and fees for licensed lenders: $0. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026 |
| Consumer lending regulator | Consumer lenders in Puerto Rico are licensed and supervised by the Puerto Rico Office of the Commissioner of Financial Institutions.Source: Conference of State Bank Supervisors · as of 2026 |
| Debt collection rules | Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Puerto Rico Department of Justice. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Puerto Rico Department of Justice · as of 2026 |
| Military lending protections | The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024 |
| Complaint / licensing lookup | Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Puerto Rico Office of the Commissioner of Financial Institutions; consumers can file complaints with the Puerto Rico Office of the Commissioner of Financial Institutions or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026 |
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Cities in Puerto Rico
San JuanAguadillaBayamónCarolinaPonceAreciboSan GermánMayagüezYaucoFajardoCaguasJuana DíazGuaynaboFloridaGuayamaTrujillo AltoCatañoVega BajaHumacaoCandelariaCayeyDoradoRío GrandeCanóvanasManatíCaño Martin PeñaHormiguerosSabana GrandeCoamoIsabelaCabo RojoCorozalPájarosVega AltaSan LorenzoSan SebastiánAibonitoArroyoJuncosLuquilloSan IsidroUtuadoSabana SecaSan AntonioPuerto RealGuraboYabucoaCidraGuánicaCeibaLas PiedrasQuebradillasPeñuelasNaguaboLajasSanta IsabelLaresAñascoCocoSalinasAdjuntasComeríoCamuyAguilitaCandelaria ArenasHatilloPunta SantiagoSanta BárbaraImbéryBarcelonetaCampanillaBajaderoCabánToa AltaGuayanillaSabana HoyosNaranjitoBreñasAguas BuenasCoquíBarranquitasCeladaVillalbaComunasLoízaBrisas del CampaneroTierras Nuevas PonientePatillasLuyandoLa LuisaLa DoloresPiedra AguzaAguadaIngenioCarrizalesPotala PastilloCapitanejoMonte GrandeSanto DomingoJayuyaHacienda San JoséCoto LaurelEmajaguaLuis Lloréns TorresLos PradosMonserrateLa FerminaGalateoCialesPalmas del MarLos LlanosSan JoséMariano ColónViequesAlianzaRafael GonzálezAguas ClarasAntón RuízCampo RicoRío LajasJaucaBarahonaSan AntonioH. Rivera ColónSan AntonioAceitunasBoquerónPole OjeaMorovisLiborio Negrón TorresEl MangóPalmarejoEl OjoLas MaríasRafael CapóMaunaboCorazónYeguadaFránquezLa AlianzaMartorellPalmarejoJobosPiedra GordaLa PlayaLas CarolinasBuena VistaPlayitaVázquezOlimpoCorcovadoDel CarmenMaría AntoniaSuárezJaguasTiburonesHato CandalIndiosPalmerEl NegroG. L. GarcíaRío Cañas AbajoTallaboa AltaRío BlancoLuis M. CintrónRincónLluverasPalma SolaGarrochalesLomasDaguaoStellaPalomasGuayabalRamosLomas Verdes ComunidadEl TumbaoParcelas de NavarroBartoloMucarabonesEl ParaisoCacaoMoraToa BajaPlaya FortunaFuigBenítezCentral AguirreCoto NorteJagualDuqueQuebrada del AguaLos Héroes ComunidadParcelas La MilagrosaSabana EneasMarueñoJuncalEspinoMagas ArribaOrocovisPlayita CortadaCulebraAnimasLa PargueraLas OchentaVilla Hugo IILas OllasTallaboaMiranda
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