Yes. You need to register to apply for a credit card, personal loan, or reserve line. The registration process is easy; you only need your email and password. 

To request a new password, go to the login screen, click Forgot Your Password? and complete the steps. 

To complete an application, you need your personal information, Social Security Number, a valid ID, and income information.

Your income can be from your job, alimony, retirement, pension, commission, rental income, self-employment or professional services. You must have evidence of your income available.  

The documents may vary depending on your type of income and the information the loan officer requires. If you need additional information, contact our representatives on 787-282-2800 or toll-free at 1-800-981-8000.

Once you access your profile, you'll see all your completed applications, those pending completion and their status. 

No. When you create your profile, your basic information will be saved for future applications.

Your application information will be available online for 90 days. 

You may receive a response the same day if your application is received during business hours before 1:00 pm.

Your credit is verified at the time you submit your application.

It takes approximately 10 minutes to complete a credit card application.

Your card will be delivered via regular mail to the address included on your application within 7-10 days after receiving approval. 

It takes approximately 10 minutes to complete a personal loan application. 

You can calculate your estimated monthly loan payment using our payment calculator, click here. 

You'll receive a letter at the address indicated on your application. If, in the future, the reasons change, we would be happy to consider your application again.

It takes approximately 10 minutes to complete a reserve line application.  

The APR is determined with the information included in your application and the credit score calculated by the credit reporting agency.