# Can I get a loan without a cosigner?

URL: https://togetherloans.com/faq/can-i-get-a-loan-without-a-cosigner
Updated: 2026-11-02

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.

Together Loans is a cosigner loan provider; all of our customers must have a cosigner for us to lend to them. A cosigner is a great sign to us that someone trusts you and that we should too, no matter what your credit history is!

A cosigner's responsibility is to make the loan repayments if the borrower does not. A suitable cosigner is a US resident with a credit score of 700 or more and a good history of paying their bills on time. Homeowners with a lower score can also be accepted if they have a strong payment history.