# Cosigner questions

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

Thinking about being a cosigner? Answers on who can be one, what we ask of them, how signing works, and what it means if the borrower can't pay.

What being a cosigner means.

## 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