# Borrower questions

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

Thinking of applying with a cosigner? Find out who can apply, what you'll need to get started, how long it takes and what happens next.

Applying, and who qualifies.

## 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