{"id":22529,"date":"2023-03-29T12:44:47","date_gmt":"2023-03-29T12:44:47","guid":{"rendered":"https:\/\/www.etags.com\/blog\/?p=22529"},"modified":"2026-01-20T11:08:31","modified_gmt":"2026-01-20T11:08:31","slug":"3-options-for-removing-co-signer-from-car-loan-and-car-title","status":"publish","type":"post","link":"https:\/\/www.etags.com\/blog\/3-options-for-removing-co-signer-from-car-loan-and-car-title\/","title":{"rendered":"3 Options For Removing Co-Signer From Car Loan And Car Title"},"content":{"rendered":"

Today, buying a new vehicle on average costs a hefty penny in the U.S. In February 2023, Kelley Blue Book put the average price on a new set of wheels at $48,763. That\u2019s almost 30% more than February 2020. Even used cars are expensive if you\u2019re lucky to find exactly what you want. Cox Automotive reports that by January 2023 used vehicles, on average, cost $26,510.<\/p>\n

 <\/p>\n

Your co-signer is responsible for your car payments too<\/strong><\/h2>\n

With such exorbitant sticker prices since the pandemic, many Americans have had opted to buy a vehicle with the help of a co-signer. In other words, someone to act as a guarantor on the car loan. A co-signer assumes responsibility for car payments if the primary (main) borrower can\u2019t make payments.<\/p>\n

Adding a co-signer to your car financing can help reduce interest rate too, since they\u2019re more likely to have a better credit score than you the primary buyer. This is especially true for younger car buyers, first-time drivers, someone with high debt-to-income ration, as well as those with no credit or stable employment history. Since the co-signer brings in additional income and better credit, lenders are more confident about getting their money back. Essentially, they now have two people responsible for the loan. If one defaults, the other takes over. The risk is lower for the lender.<\/p>\n

To become a co-signer, a friend or family member must meet specific requirements like having a good or excellent credit score<\/p><\/blockquote>\n

Why remove a co-signer from your car loan and title<\/strong><\/h2>\n

When a main borrower\u2019s financial situation changes, they may choose to remove the co-signer from the loan and title of the car<\/a>. Perhaps they\u2019re no longer freelancing or acting as a contractor, and found full-time, well-paying employment. Maybe their credit score went up, their relationship status changed, or they had a fallout with the co-signer. If you\u2019re better off financially, it\u2019s easier to prove to your lender that you can take over the car loan by yourself. You\u2019ll also have months or even years worth of on-time car payments made which serves as more proof that you\u2019re a responsible borrower.<\/p>\n

 <\/p>\n

Your loan contract may have a co-signer release built in<\/strong><\/h2>\n

To remove your co-signer from your car loan, you can ask your lender for a co-signer release. That option may have already be built-in to your contract with your lender. The paperwork on your car financing may state specific conditions under which you can get the co-signer release. For instance, one condition can be no late car payments. If you borrowed funds from a used car dealership, this co-signer release option is probably more difficult.<\/p>\n

If you refinance your car loan can, you can lower your monthly car payment, reduce the interest you pay or shorten your loan term<\/p><\/blockquote>\n

You can refinance for a new loan contract (without co-signer)<\/strong><\/h2>\n

You can refinance your car loan to remove your co-signer, especially if your credit situation is better than when you first applied for the loan. You can choose to refinance with the same, original lender or shop around for another bank\/financial institution. Aside from removing the co-signer, refinancing can help you get a better interest rate to lower your monthly payments. Your loan will also be smaller at this point, since you\u2019ve been making payments for a certain time period.
\nSEE ALSO: CAN YOU FINANCE ANOTHER CAR IF YOU’RE ALREADY A CO-SIGNER FOR SOMEONE<\/a><\/p>\n

Basically, refinancing means you\u2019re taking out a new car loan meaning that you can place JUST your name on the contract. No co-signer on this new loan contract.<\/p>\n

 <\/p>\n

You can sell the car and pay off loan with profits<\/strong><\/h2>\n

If you sell your vehicle, you can pay off the entire loan with the profit. Once the car is sold, there\u2019s no more financial obligation so no more co-signer. Just watch out for pre-term penalties, as most lenders make their money by getting payments every month for a long period of time. By paying early, you\u2019re essentially taking away that regular revenue stream. Some lenders will ask you to pay a certain amount to make up for the losses.<\/p>\n

You can transfer your vehicle title online, from any device, even your smartphone<\/p><\/blockquote>\n

How to remove co-signer from vehicle title<\/strong><\/h2>\n

If the vehicle title has both your name (primary borrower) and your co-signer\u2019s name, joined by an \u201cand\u201d then both must sign the title. If the names are separated by an \u201cor\u201d, only one of you must sign, so that you can get a new title only in your name without the co-signer. At the point you can request a title transfer, as you\u2019re the new purchaser, and ownership is transferring solely to you. You can always apply for a title transfer online without having to go to a local DMV or tag agency.<\/p>\n

Don\u2019t forget to make sure that your car registration and license plate(s) are up to date as well as your auto insurance.<\/p>\n","protected":false},"excerpt":{"rendered":"

Today, buying a new vehicle on average costs a hefty penny in the U.S. In February 2023, Kelley Blue Book put the average price on a new set of wheels…<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1592,18],"tags":[1631,1634],"class_list":{"0":"post-22529","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-car-buying","7":"category-vehicle-titles","8":"tag-vehicle-title","9":"tag-vehicle-title-transfer"},"acf":[],"yoast_head":"\n3 Options For Removing Co-Signer From Car Loan And Car Title | eTags - Vehicle Registration & Title Services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.etags.com\/blog\/3-options-for-removing-co-signer-from-car-loan-and-car-title\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 Options For Removing Co-Signer From Car Loan And Car Title\" \/>\n<meta property=\"og:description\" content=\"Today, buying a new vehicle on average costs a hefty penny in the U.S. In February 2023, Kelley Blue Book put the average price on a new set of wheels…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.etags.com\/blog\/3-options-for-removing-co-signer-from-car-loan-and-car-title\/\" \/>\n<meta property=\"og:site_name\" content=\"eTags - 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