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How much greater are one's chances to obtain a personal loan with a cosigner? The cosigner has great credit
I have rather poor credit and am in the process of paying off all of the existing deb. If a cosigner has immaculate credit, are my chances much greater in obtaining that loan?
If you have poor credit (or no credit), having a co-signer does increase the changes of a loan being granted.
NOTE: The if your credit is very poor (or if you do not have any), the co-signer will be the primary account holder and holds all the liability if you fail to meet the obligations of the loan. If you are late for any payments, it reflects on your co-signer as well...
manic
Yes they loan the money to your cosigner more than to you. They know with your bad credit you probably won't pay it back but the cosigner will have to if he wants to keep his credit rating.
Cosigning for someone with bad credit is a sure way to lose money and a friend. Don't ask me to cosign.
smazedmi
Yes, but you're putting the co-signer into an awful position.
Georgia Girl
It's so much easier to do it that way.
I CANT BELIEVE UR not bush
Yes.
Summer
your chances are usually alot better. when getting your first loan you usually need a cosigner because banks don't want to take a chance on someone that has never had a line of credit or has poor credit
?
Try this website. My friend got a loan from there. Its like the ebay of loans.
Prosper.com
psycmikev
It is almost 100% with a great cosigner. Banks are really making them the loan then, you just benifit from it.
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