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Can I add my spouse to my car loan?
My spouse has terrible credit, and I want to help them build it back up. Can I add my spouse to my current car loan to help their credit recover?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That’s awesome that you’re willing to help your spouse build their credit! However, adding them to an existing
car loan
isn’t an option—you’ll have to refinance your loan before you can add them.The process is straightforward and identical to the first time you got the loan—the only difference is that you’ll be adding your spouse’s information to the loan.
Before you decide on a refinancing option, make sure to shop around for rates and see what lenders can offer you. If your APR goes up as a result of adding your spouse to the loan, you may want to consider alternative ways to build her credit.
If you decide that refinancing is the best financial move, you may also want to add your spouse to your car insurance—life events like marriage may actually lower your rates!
If you want to shop around for a new policy together, the
Jerry
app makes this easier than ever. We’ll get you customized quotes from top insurers in seconds, so that all you have to do is pick the plan that works best for you. (And once you choose one, we’ll even help you switch!)Best of luck with the loan, and with your spouse’s credit!
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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