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Do I need my spouse with me to apply for a car loan?
I want to get a new car, but I'm worried that my income and credit aren't good enough. If they aren't, do I need my spouse to apply for the car loan with me?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That’s a good question! Applying for a
car loan
by yourself is still a smart move, even if you’re concerned about your income and credit—as the saying goes, the worst they can say is no!Lenders are straightforward with loans, and they may tell you that you need a cosigner. If your spouse has great credit and a higher income, you might find that adding them as a cosigner or a co-borrower will allow you to secure the loan. Discussing the loan with your spouse is the only way to know if it’s the right move for you.
If you decide to go through with the loan, remember to budget for car insurance—lenders require full coverage car insurance, which can be a little pricey if you don’t shop around! If you want to easily get the best deal on the coverage you need, use the
Jerry
app! We’ll get you customized quotes from top-of-the-line providers so that all you have to do is pick the rate that works best for you.Best of luck with the loan—you’ve got this!
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