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How do you release a car loan?

My dad cosigned my car loan with me, but now I’m financially stable enough to afford it on my own. How do I release him from the loan?

Will Baldwin · Updated on Dec 9, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

What a nice dad! To release someone from a cosigned car loan, you have three options:

Pay off the loan

Contact your lender

Certain loans may allow you to release a cosigner, but this isn’t standard practice. If your lender doesn’t offer this as an option and if paying the loan off is out of the question, then try refinancing.

Refinancing means you need to be able to assume the loan on your own. Your income, debt-to-income ratio, and credit score need to support the loan for you to take full ownership.

If you’d like help shopping for lenders to refinance with, try using the

app. Jerry is a great resource for comparing loan options from multiple lenders. Use our refinance calculator and avoid the hassle of searching for lenders yourself. Jerry makes it easy by finding the best lenders at the best rates. On average, car owners pay $85 less every month by refinancing their auto loan.

MORE:

How to reduce car payments without refinancing your car loan

View full answer

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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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