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 · Personal Loans With a Cosigner: Getting a Joint Personal Loan. Brynne Conroy Nishith Krishna, director of student and personal loans at PenFed Credit Union, Use LendingTree’s personal loan tool to potentially compare several Joint personal loans can be a convenient option for people who want to share equal responsibility in a large purchase. It can also help bolster your application and chance of approval if you have a lower income or otherwise don’t meet all of the lender’s eligibility requirements on your own. Can I get a joint application personal loan A simple personal loan application with no hidden fees, FAQs; About Eloan; Check Your Rate. Get a personal loan that meets your needs. About personal loans. Responding to a mail offer? Check your Rates. Checking your rates will not affect your credit score. At Eloan we care about cybersecurity and the safety of sensitive information.

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Co-signers take on equal responsibility for the loan. Co-signers are common with car loans or student loans, but some personal loan providers — banks, credit unions and a few online lenders — also allow co-signers. Most major banks no longer offer personal loans, but Wells Fargo and Citibank still do.

Both banks have the option of adding a co-signer. You need to be an existing customer to apply, and you must visit a Wells Fargo or Citibank branch to complete the paperwork for the loan. Credit unions are a good first stop for any type of personal loan, because they have low interest rates and often work with borrowers to make a loan affordable, even if the borrower has bad credit.

Most credit unions allow co-signers on unsecured loans also called signature loans and accept online applications. LightStream , a lender with high credit standards, allows joint applications.

The company looks at combined income and debt to check whether borrowers meet its underwriting requirements. For example, if you initially qualify for a loan at Forty percent of FreedomPlus borrowers have co-signers, according to the company.

Origination fee of 0. Fees for late payment, unsuccessful payment, personal check use. One borrower must have a minimum score of or above, while the second borrower can have a credit score as low as OneMain Financial makes loans to people with below average or bad credit and allows joint applications.

OneMain has no minimum credit score requirement and offers same-day funding. You can start your application online, but to complete the process OneMain usually requires a visit to one of its more than 1, branches. Mariner Finance has a low minimum credit score requirement of and lets applicants use a co-signer to boost their approval odds. Mariner also considers applicants who have filed bankruptcy.

Mariner has branches in more than 20 states and requires an in-person visit to complete the loan application process. Its subsidiary, Pioneer Credit, has branches in eight states.