Do I Need a Cosigner for a Car Title Loan?

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Getting a car title loan can be a noticeable financial weight to take on, so it is not something to be considered lightly. With the kind of responsibility that comes with such a loan, it is natural to wonder whether you need to have someone co-sign the loan with you.

Do I Need a Cosigner to Get a Car Title Loan Through Max Cash® Title Loans?

When going to get a car title loan through Max Cash Title Loans, you are not required by company policy to get someone to co-sign on your loan. However, when going to get a car title loan when you are having problems regarding your income and/or credit history having a cosigner for the loan might help you get the approval you seek5.

Who Can Act as a Cosigner?

Almost anyone can be a cosigner as long as they are at least 18 years old, have good credit, are well informed about what their obligations as well as responsibilities would be when signing onto a loan, and can meet requirements that the lender being dealt with might have. People that you could consider asking to act as a cosigner on your car title loan include:

  • One of your parents
  • Your spouse
  • Any of your close friends
  • One of your relatives such as one of your grandparents, an aunt, an uncle, one of your siblings, or a cousin
  • Anyone else who shows support of you and all of your finance related goals as well as your plan to use the loan you receive through Max Cash Title Loans to accomplish them

Things You Need to Keep in Consideration Before Having Someone Co-Sign Your Car Title Loan

You need to make sure that you have a complete understanding of the financial burden you would be asking the cosigner to take on before you go to approach them to ask that they co-sign your car title loan. If they put their name down on your papers, they will have a legal responsibility for the money that you borrow with the help of Max Cash Title Loans being repaid if for some reason you decide to default on one or more of the loan payments.

You need to make sure that you are as responsible as you can for the car title loan that you take out, as your actions (or lack thereof) have serious consequences that could heavily affect someone else.

As you are in the process of repaying your car title loan make sure that you keep an open and constant channel of communication with the cosigner. They need to be aware of the current state of the loan repayment as often as you can manage to inform them.

Things You Should Take into Consideration Before You Co-Sign Someone’s Car Title Loan

If someone you know asks you to be a cosigner for their car title loan, both of you will have to do some serious evaluation of the situation overall before both of you can come to any kind of agreement. The two of you need to have a serious conversation going over all the pros and cons of a loan being co-signed. Discuss the amount of money the loan will be for along with the interest rate. From there you should work together to devise a strategy and schedule of communication so that you are able to stay up to date on the present state of the car title loan you would be co-signing on4.

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If you have any questions about a past, present, or future car title loan or you need to get talk to us for any other reason, you can get in touch with Max Cash Title Loans by: