# Who makes the monthly payments?

URL: https://togetherloans.com/faq/who-makes-the-monthly-payments
Updated: 2026-11-02

Who pays monthly? Borrower makes all payments. Cosigner only pays if borrower misses payment. Clear payment responsibility breakdown explained.

The borrower is expected to make the monthly payments. However, if we don't receive payment from the borrower, we'll ask the cosigner to pay.

We'll only ever ask your cosigner to pay in line with their agreement and in the best interests of you both. Doing so helps prevent any negative implications of the account remaining behind, such as the arrears increasing and the loan term extending.

Cosigners have the option to make as many payments toward the loan as they wish, whenever they wish. They also have the option to become the primary payer on the account if they want to make the regular monthly payments on behalf of the borrower.