# Questions and Answers

URL: https://togetherloans.com/faq
Updated: 2026-11-02

Got a question about cosigner loans? Find clear answers on applying, cosigners, payments and interest, across 60+ questions people ask us.

## Top questions

- [What is a cosigner?](https://togetherloans.com/faq/what-is-a-cosigner.md): A cosigner is someone who trusts you and agrees to make loan payments if you can’t. Learn cosigner requirements, responsibilities, and how they enable loan approval. HTML: https://togetherloans.com/faq/what-is-a-cosigner
- [How long does it take to get my loan?](https://togetherloans.com/faq/how-long-does-it-take-to-get-my-loan.md): When will my loan be paid out? We aim to pay out within 24 business hours of your cosigner being accepted. Weekend applications and extra checks can take longer. HTML: https://togetherloans.com/faq/how-long-does-it-take-to-get-my-loan
- [Can I get a loan without a cosigner?](https://togetherloans.com/faq/can-i-get-a-loan-without-a-cosigner.md): Can I get a loan without a cosigner? No. Every Together Loans loan needs a cosigner with a 700+ credit score and a good payment history. HTML: https://togetherloans.com/faq/can-i-get-a-loan-without-a-cosigner
- [Which states does Together Loans operate in?](https://togetherloans.com/faq/which-states-does-together-loans-operate-in.md): See the current list of US states where you can apply through Together Loans. Your cosigner can live in any US state. HTML: https://togetherloans.com/faq/which-states-does-together-loans-operate-in
- [Does it matter which state my cosigner is from?](https://togetherloans.com/faq/does-it-matter-which-state-my-cosigner-is-from.md): Does my cosigner’s state matter? No, cosigners can live in any US state. They need a 700+ credit score and a good payment history. HTML: https://togetherloans.com/faq/does-it-matter-which-state-my-cosigner-is-from
- [Can I get a loan even if I have a bad credit score?](https://togetherloans.com/faq/can-i-get-a-loan-with-a-bad-credit-score.md): Bad credit loans: Yes, Together Loans accepts bad credit scores. We focus on current affordability and having a suitable cosigner, not past mistakes. HTML: https://togetherloans.com/faq/can-i-get-a-loan-with-a-bad-credit-score
- [What will you ask my cosigner?](https://togetherloans.com/faq/what-will-you-ask-my-cosigner.md): What cosigners need to provide: Simple online application covering personal details, income information, and banking details. Quick and straightforward process. HTML: https://togetherloans.com/faq/what-will-you-ask-my-cosigner
- [Why was my cosigner declined?](https://togetherloans.com/faq/why-was-my-cosigner-declined.md): Why was my cosigner declined? Usually due to negative credit history. Cosigners need a 700+ score and a good payment history. HTML: https://togetherloans.com/faq/why-was-my-cosigner-declined
- [How do I make a repayment or settle my loan?](https://togetherloans.com/faq/how-do-i-make-a-payment-or-settle-my-loan.md): Make payments or settle loan: Pay online anytime or call Together Loans. Extra payments and early settlement have no fees. Save money paying early. HTML: https://togetherloans.com/faq/how-do-i-make-a-payment-or-settle-my-loan
- [What if I can't pay?](https://togetherloans.com/faq/what-if-i-cant-pay.md): Can’t make payment? Contact Together Loans immediately. We’ll try to find resolution before contacting cosigner. Communication is key to avoiding issues. HTML: https://togetherloans.com/faq/what-if-i-cant-pay

## Borrowers

- [What are the borrower criteria?](https://togetherloans.com/faq/what-are-the-borrower-criteria.md): Borrower criteria: be 18+, a US resident, afford the repayments, and have a cosigner with a 700+ score and a good payment history. Bad credit OK. HTML: https://togetherloans.com/faq/what-are-the-borrower-criteria
- [Can I live at the same address as my cosigner?](https://togetherloans.com/faq/can-i-live-at-the-same-address-as-my-cosigner.md): Can I live with my cosigner? Yes, same address is allowed if cosigner meets criteria. With shared finances, both must have excellent payment history. HTML: https://togetherloans.com/faq/can-i-live-at-the-same-address-as-my-cosigner
- [How do I know if I'll be accepted?](https://togetherloans.com/faq/how-do-i-know-if-ill-be-accepted.md): Will I be accepted? If you’re 18+, can afford repayments, and have a cosigner with a 700+ credit score and a good payment history, you could be. HTML: https://togetherloans.com/faq/how-do-i-know-if-ill-be-accepted
- [How do I see my loan agreement?](https://togetherloans.com/faq/how-do-i-see-my-loan-agreement.md): Access loan agreement: Sent via encrypted email after signing. Copy stored in system, available upon request. Secure document access explained. HTML: https://togetherloans.com/faq/how-do-i-see-my-loan-agreement
- [Requesting a copy of your loan agreement](https://togetherloans.com/faq/your-right-to-a-draft-credit-agreement.md): Request credit agreement copy: Together Loans sends loan agreement copies by email free of charge. Know your rights and access documents anytime. HTML: https://togetherloans.com/faq/your-right-to-a-draft-credit-agreement
- [Do I have to be employed?](https://togetherloans.com/faq/do-i-have-to-be-employed.md): Do I need employment to qualify? No, employment not required. You need income to afford monthly payments plus a suitable cosigner with good credit. HTML: https://togetherloans.com/faq/do-i-have-to-be-employed
- [How much can I borrow?](https://togetherloans.com/faq/how-much-can-i-borrow.md): $3,000-$10,000 cosigner loans over 3-5 years. Loan amount determined by your affordability and cosigner’s financial strength. Flexible borrowing limits. HTML: https://togetherloans.com/faq/how-much-can-i-borrow
- [How do I change my payment date?](https://togetherloans.com/faq/how-do-i-change-my-payment-date.md): Change payment date: Rules apply - no arrears, request 5+ days before due date, once per 2 months. Contact Together Loans to adjust payment schedule. HTML: https://togetherloans.com/faq/how-do-i-change-my-payment-date
- [How do I log into my online account?](https://togetherloans.com/faq/how-do-i-log-into-my-online-account.md): Account login help: Use SSN plus phone or email - no passwords needed. Magic link system keeps you logged in 30 days. Secure and simple access. HTML: https://togetherloans.com/faq/how-do-i-log-into-my-online-account
- [Can I get a loan if I live outside the US?](https://togetherloans.com/faq/can-i-have-a-loan-if-i-live-outside-us.md): Loans for non-US residents? No, Together Loans only serves US residents due to different lending regulations by country. Must have valid SSN. HTML: https://togetherloans.com/faq/can-i-have-a-loan-if-i-live-outside-us
- [How long does it take to get my loan?](https://togetherloans.com/faq/how-long-does-it-take-to-get-my-loan.md): When will my loan be paid out? We aim to pay out within 24 business hours of your cosigner being accepted. Weekend applications and extra checks can take longer. HTML: https://togetherloans.com/faq/how-long-does-it-take-to-get-my-loan
- [Can I get a loan without a cosigner?](https://togetherloans.com/faq/can-i-get-a-loan-without-a-cosigner.md): Can I get a loan without a cosigner? No. Every Together Loans loan needs a cosigner with a 700+ credit score and a good payment history. HTML: https://togetherloans.com/faq/can-i-get-a-loan-without-a-cosigner
- [Which states does Together Loans operate in?](https://togetherloans.com/faq/which-states-does-together-loans-operate-in.md): See the current list of US states where you can apply through Together Loans. Your cosigner can live in any US state. HTML: https://togetherloans.com/faq/which-states-does-together-loans-operate-in
- [Can I get a loan even if I have a bad credit score?](https://togetherloans.com/faq/can-i-get-a-loan-with-a-bad-credit-score.md): Bad credit loans: Yes, Together Loans accepts bad credit scores. We focus on current affordability and having a suitable cosigner, not past mistakes. HTML: https://togetherloans.com/faq/can-i-get-a-loan-with-a-bad-credit-score

## Cosigners

- [How long until my cosigner is contacted about my missed payment?](https://togetherloans.com/faq/how-long-until-my-cosigner-is-contacted-about-a-missed-payment.md): When is cosigner contacted about missed payments? Both borrower and cosigner are notified immediately on the due date if payment isn’t received. HTML: https://togetherloans.com/faq/how-long-until-my-cosigner-is-contacted-about-a-missed-payment
- [Does my cosigner have to be a homeowner?](https://togetherloans.com/faq/does-my-cosigner-have-to-be-a-homeowner.md): Does a cosigner need to be a homeowner? No, but homeowner cosigners are more likely to be accepted. Renters can qualify with excellent credit and income. HTML: https://togetherloans.com/faq/does-my-cosigner-have-to-be-a-homeowner
- [Can a cosigner get a loan for themselves?](https://togetherloans.com/faq/can-a-cosigner-get-a-loan-for-themselves.md): No - you can only be involved in one Together Loan at a time, either as borrower or cosigner, not both simultaneously. Pay off first loan before applying for new one. HTML: https://togetherloans.com/faq/can-a-cosigner-get-a-loan-for-themselves
- [Why do you have to take bank details for my cosigner?](https://togetherloans.com/faq/why-do-you-have-to-take-bank-details-for-my-cosigner.md): Why cosigner bank details needed: For fraud prevention, loan payout, and collecting payments if borrower misses them. Essential security measure explained. HTML: https://togetherloans.com/faq/why-do-you-have-to-take-bank-details-for-my-cosigner
- [Why is the loan paid out to my cosigner's bank account?](https://togetherloans.com/faq/why-does-the-loan-go-into-my-cosigners-bank-account.md): Why loan paid to cosigner: Prevents fraud and ensures cosigner understands their responsibility. Cosigner then transfers funds to borrower safely. HTML: https://togetherloans.com/faq/why-does-the-loan-go-into-my-cosigners-bank-account
- [Should I be a cosigner?](https://togetherloans.com/faq/should-i-be-a-cosigner.md): Should I become a cosigner? Comprehensive checklist to help decide if you should co-sign based on trust, financial capability, and loan responsibility. HTML: https://togetherloans.com/faq/should-i-be-a-cosigner
- [Can my partner or a family member be my cosigner?](https://togetherloans.com/faq/can-my-partner-or-a-family-member-be-my-cosigner.md): Can family be your cosigner? Yes, partners and family members can co-sign. If sharing finances, both must have good payment history without strain. HTML: https://togetherloans.com/faq/can-my-partner-or-a-family-member-be-my-cosigner
- [Can I use a cosigner from outside the US?](https://togetherloans.com/faq/can-i-use-a-cosigner-from-outside-the-us.md): Can I use a cosigner from outside the US? No, cosigners must be US residents with valid SSN. International cosigners cannot be accepted for approval. HTML: https://togetherloans.com/faq/can-i-use-a-cosigner-from-outside-the-us
- [How does my cosigner sign the forms?](https://togetherloans.com/faq/how-does-my-cosigner-sign-the-forms.md): Cosigner signing process: After you sign, cosigner receives secure link via text/email to complete details and sign online. Simple digital process takes minutes. HTML: https://togetherloans.com/faq/how-does-my-cosigner-sign-the-forms
- [Why is the cosigner contacted directly?](https://togetherloans.com/faq/why-is-the-cosigner-contacted-directly.md): Why contact cosigner directly? Ensures cosigners fully understand responsibilities and can afford monthly payments. Direct communication protects all parties. HTML: https://togetherloans.com/faq/why-is-the-cosigner-contacted-directly
- [Will you credit check the cosigner?](https://togetherloans.com/faq/will-you-credit-check-the-cosigner.md): Do you credit check cosigners? Yes, Together Loans checks cosigner credit files to ensure financial stability, good payment history, and loan affordability. HTML: https://togetherloans.com/faq/will-you-credit-check-the-cosigner
- [How do I stop being a cosigner?](https://togetherloans.com/faq/how-do-i-stop-being-a-cosigner.md): How to stop being cosigner: Cancel before loan payout or wait until loan is repaid in full. Contact Together Loans to end cosigner responsibility. HTML: https://togetherloans.com/faq/how-do-i-stop-being-a-cosigner
- [Will this be secured against the cosigner's home?](https://togetherloans.com/faq/will-this-be-secured-against-the-cosigners-home.md): Is loan secured against cosigner’s home? No, it’s not secured against property, but court action is possible if neither borrower nor cosigner makes payments. HTML: https://togetherloans.com/faq/will-this-be-secured-against-the-cosigners-home
- [Can a cosigner be self-employed?](https://togetherloans.com/faq/can-a-cosigner-be-self-employed.md): Yes. They need a 700+ credit score, a good payment history and to afford the repayments. Employment type doesn’t matter. HTML: https://togetherloans.com/faq/can-a-cosigner-be-self-employed
- [What if my cosigner can't pay?](https://togetherloans.com/faq/what-if-my-cosigner-cant-pay.md): What if cosigner can’t pay? If neither borrower nor cosigner can make payments, contact Together Loans immediately to find a solution together. HTML: https://togetherloans.com/faq/what-if-my-cosigner-cant-pay
- [Who can be my cosigner?](https://togetherloans.com/faq/who-can-be-my-cosigner.md): Family, friends, or trusted contacts with a 700+ credit score and a good payment history. Stable income needed. No blood relation required. HTML: https://togetherloans.com/faq/who-can-be-my-cosigner
- [What will you ask my cosigner?](https://togetherloans.com/faq/what-will-you-ask-my-cosigner.md): What cosigners need to provide: Simple online application covering personal details, income information, and banking details. Quick and straightforward process. HTML: https://togetherloans.com/faq/what-will-you-ask-my-cosigner
- [What is the cosigner process?](https://togetherloans.com/faq/what-is-the-cosigner-process.md): Cosigner process explained: Complete application, pass credit checks, receive loan in your account, transfer funds to borrower. Step-by-step guide included. HTML: https://togetherloans.com/faq/what-is-the-cosigner-process
- [How do I find a cosigner?](https://togetherloans.com/faq/how-do-i-find-a-cosigner.md): How to find a cosigner: choose someone who trusts you, can afford the payments, and has a 700+ credit score and a good payment history. HTML: https://togetherloans.com/faq/how-do-i-find-a-cosigner
- [Why was my cosigner declined?](https://togetherloans.com/faq/why-was-my-cosigner-declined.md): Why was my cosigner declined? Usually due to negative credit history. Cosigners need a 700+ score and a good payment history. HTML: https://togetherloans.com/faq/why-was-my-cosigner-declined
- [What are the cosigner's responsibilities?](https://togetherloans.com/faq/what-is-the-cosigners-responsibility.md): Cosigner responsibilities explained: Make monthly payments if borrower doesn’t. Prevent loan arrears and term extensions. Full legal obligation breakdown. HTML: https://togetherloans.com/faq/what-is-the-cosigners-responsibility
- [What is a cosigner?](https://togetherloans.com/faq/what-is-a-cosigner.md): A cosigner is someone who trusts you and agrees to make loan payments if you can’t. Learn cosigner requirements, responsibilities, and how they enable loan approval. HTML: https://togetherloans.com/faq/what-is-a-cosigner
- [How do I send you my bank statements?](https://togetherloans.com/faq/how-do-i-send-you-my-bank-statements.md): How to send bank statements: Download 60 days of statements from your bank, save as PDF, email to Together Loans. Step-by-step submission guide included. HTML: https://togetherloans.com/faq/how-do-i-send-you-my-bank-statements
- [Can I change my cosigner?](https://togetherloans.com/faq/can-i-change-my-cosigner.md): Change your cosigner before loan payout or after full repayment. Together Loans explains when and how you can switch cosigners during the loan process. HTML: https://togetherloans.com/faq/can-i-change-my-cosigner
- [Does it matter which state my cosigner is from?](https://togetherloans.com/faq/does-it-matter-which-state-my-cosigner-is-from.md): Does my cosigner’s state matter? No, cosigners can live in any US state. They need a 700+ credit score and a good payment history. HTML: https://togetherloans.com/faq/does-it-matter-which-state-my-cosigner-is-from

## Payments

- [Who makes the monthly payments?](https://togetherloans.com/faq/who-makes-the-monthly-payments.md): Who pays monthly? Borrower makes all payments. Cosigner only pays if borrower misses payment. Clear payment responsibility breakdown explained. HTML: https://togetherloans.com/faq/who-makes-the-monthly-payments
- [Can I take a payment break?](https://togetherloans.com/faq/can-i-take-a-payment-break.md): Payment holidays available? No, Together Loans doesn’t offer payment breaks or holidays. We help you stay on track with original loan agreement terms. HTML: https://togetherloans.com/faq/can-i-take-a-payment-break
- [Can I make extra payments?](https://togetherloans.com/faq/can-i-make-extra-payments.md): Make extra loan payments: Yes! Save money with daily interest calculation. No early settlement fees. Pay more anytime to reduce loan cost and duration. HTML: https://togetherloans.com/faq/can-i-make-extra-payments
- [Can I make a smaller monthly payment?](https://togetherloans.com/faq/can-i-make-a-smaller-monthly-payment.md): Smaller monthly payments? No, full payment required on time to maintain agreement and build credit rating. Consistent payments essential for loan terms. HTML: https://togetherloans.com/faq/can-i-make-a-smaller-monthly-payment
- [What happens when a payment fails?](https://togetherloans.com/faq/what-happens-if-a-payment-fails.md): Failed payment process: Both borrower and cosigner notified immediately. Together Loans contacts borrower first to resolve before involving cosigner. HTML: https://togetherloans.com/faq/what-happens-if-a-payment-fails
- [Why is the loan paid out to my cosigner's bank account?](https://togetherloans.com/faq/why-does-the-loan-go-into-my-cosigners-bank-account.md): Why loan paid to cosigner: Prevents fraud and ensures cosigner understands their responsibility. Cosigner then transfers funds to borrower safely. HTML: https://togetherloans.com/faq/why-does-the-loan-go-into-my-cosigners-bank-account
- [Can I pay early?](https://togetherloans.com/faq/can-i-pay-early.md): Pay before due date: Yes, make early payments anytime using online portal. No cost for early payment. Flexible payment timing to suit your budget. HTML: https://togetherloans.com/faq/can-i-pay-early
- [What are the different ways I can pay you?](https://togetherloans.com/faq/what-are-the-different-ways-i-can-pay-you.md): Payment methods: Automatic ACH payments (recommended) or manual online payments anytime. Flexible payment options to suit your needs and preferences. HTML: https://togetherloans.com/faq/what-are-the-different-ways-i-can-pay-you
- [How do I make a repayment or settle my loan?](https://togetherloans.com/faq/how-do-i-make-a-payment-or-settle-my-loan.md): Make payments or settle loan: Pay online anytime or call Together Loans. Extra payments and early settlement have no fees. Save money paying early. HTML: https://togetherloans.com/faq/how-do-i-make-a-payment-or-settle-my-loan
- [What if I can't pay?](https://togetherloans.com/faq/what-if-i-cant-pay.md): Can’t make payment? Contact Together Loans immediately. We’ll try to find resolution before contacting cosigner. Communication is key to avoiding issues. HTML: https://togetherloans.com/faq/what-if-i-cant-pay

## Other

- [Can I print my forms or documents?](https://togetherloans.com/faq/can-i-print-my-forms-or-documents.md): Print loan documents: Yes, copies of all agreements and documents emailed at application and payout. Download and print anytime for your records. HTML: https://togetherloans.com/faq/can-i-print-my-forms-or-documents
- [How will you appear on my bank statement?](https://togetherloans.com/faq/how-will-you-appear-on-my-bank-statement.md): Bank statement appearance: Together Loans payments show as ‘Together Loans’ on your bank statement. Easy to identify and track your loan payments. HTML: https://togetherloans.com/faq/how-will-you-appear-on-my-bank-statement
- [Why is your interest so high?](https://togetherloans.com/faq/why-is-your-interest-so-high.md): Interest rates explained: Higher than banks but competitive, no hidden fees, daily interest calculation. Save money with early payoff - transparency guaranteed. HTML: https://togetherloans.com/faq/why-is-your-interest-so-high
- [Does Together Loans charge any fees?](https://togetherloans.com/faq/does-together-loans-charge-any-fees.md): No. Together Loans charges no application, origination, cosigner or early payoff fee. You pay back what you borrowed, plus interest, and nothing else. HTML: https://togetherloans.com/faq/does-together-loans-charge-any-fees
- [Are the loans safe and secure?](https://togetherloans.com/faq/are-the-loans-safe-and-secure.md): Are loans safe and secure? Yes, personal data only used for eligibility checks and loan repayment. Full legal disclosure and data protection compliance. HTML: https://togetherloans.com/faq/are-the-loans-safe-and-secure
- [Update on my application](https://togetherloans.com/faq/update-on-my-application.md): Application status updates: Together Loans reviews applications quickly and contacts you via email and SMS. Stay informed throughout the approval process. HTML: https://togetherloans.com/faq/update-on-my-application
- [How long do you take to reply?](https://togetherloans.com/faq/how-long-do-you-take-to-reply.md): Response time: Together Loans prioritizes customer communication and responds as soon as possible to all inquiries via email, phone, or online contact. HTML: https://togetherloans.com/faq/how-long-do-you-take-to-reply
- [How do I cancel my application?](https://togetherloans.com/faq/how-do-i-cancel-my-application.md): Cancel loan application anytime before payout. No penalties for cancellation during application process. HTML: https://togetherloans.com/faq/how-do-i-cancel-my-application
- [I was contacted by a possible scam. What can I do?](https://togetherloans.com/faq/i-was-contacted-by-a-possible-scam-what-can-i-do.md): Together Loans never charges upfront fees, sells insurance or finds you a cosigner. Learn what scammers ask for, how to check with us and how to report it. HTML: https://togetherloans.com/faq/i-was-contacted-by-a-possible-scam-what-can-i-do
- [What was Together Loans Credit Builder?](https://togetherloans.com/faq/what-is-together-loans-credit-builder.md): Credit Builder was a credit-building program from Together Loans. It has been discontinued and all accounts are now closed. Former account holders can still log in to view their payment history. HTML: https://togetherloans.com/faq/what-is-together-loans-credit-builder
- [Is Together Loans BBB accredited?](https://togetherloans.com/faq/is-together-loans-bbb-accredited.md): Yes. Together Loans is an Accredited Business with the Better Business Bureau, with a B rating and a customer-review average close to 5 stars. Here’s how to verify. HTML: https://togetherloans.com/faq/is-together-loans-bbb-accredited
- [Together Loans: Cosigner Personal Loans for Bad Credit – Not a Credit Union](https://togetherloans.com/faq/together-loans-cosigner-personal-loans-for-bad-credit-not-a-credit-union.md): Together Loans is a US cosigner personal loan company – not a credit union. We are not Together Credit Union, NCUA-insured, or member-owned. Learn how to tell us apart. HTML: https://togetherloans.com/faq/together-loans-cosigner-personal-loans-for-bad-credit-not-a-credit-union
- [Together Loans: Cosigner Personal Loans for Bad Credit – Not Together Money (UK)](https://togetherloans.com/faq/together-loans-cosigner-personal-loans-for-bad-credit-not-together-money-uk.md): Together Loans is a US cosigner personal loan company based in Chicago. We are not Together Money, the UK mortgage and bridging-loan company. Learn how to tell them apart. HTML: https://togetherloans.com/faq/together-loans-cosigner-personal-loans-for-bad-credit-not-together-money-uk
- [How do I make a complaint?](https://togetherloans.com/faq/how-do-i-make-a-complaint.md): Make a complaint: email hello@togetherloans.com and we'll get back to you as soon as possible. Together Loans takes customer feedback seriously. HTML: https://togetherloans.com/faq/how-do-i-make-a-complaint
- [Transform Credit is now Together Loans](https://togetherloans.com/faq/transform-credit-is-now-together-loans.md): Transform Credit is now Together Loans. Same trusted company, team, and cosigner loan services. Learn about our rebrand and what stays the same. HTML: https://togetherloans.com/faq/transform-credit-is-now-together-loans