The Convenient Loan

The Convenient Loan from VAPR is designed for those members who have a minimum credit score of 600 and a debt-to-income ratio of 45% or less. With this loan, you can finance up to $5,000.00 with a fixed interest rate and a maximum term of five (5) years. The Convenient Loan does not require a share deposit as collateral and is not subject to a credit score check as the rate is fixed. If you qualify and this is the loan you need, apply now!

Certain conditions and restrictions apply.

You have questions, we have answers


Each of our branches has its schedule:

VAPR Plaza Branch

Monday to Friday

7:30 a.m. – 3:45 p.m.



8:00 a.m. – 1:00 p.m.

Veterans Hospital Branch

Monday to Friday

7:30 a.m. – 3:30 p.m.

Guayama Branch

Monday to Friday

8:00 a.m. – 4:00 p.m


Auto Coop

8:00 a.m. – 4:15 p.m.



9:00 a.m. – 1:00 p.m.

To join our credit union you must bring the following documents:

  1. Photo identification (License or Passport)
  2. $50.00 for initial deposit

Regular share (savings) accounts carry no monthly fee. In the checking account there will be no monthly charges as long as you maintain a minimum balance of five hundred dollars ($500.00). If you do not have this balance then a charge of four dollars ($4.00) will be applied monthly.