 TITLE: Can You Get a Personal Loan With a Cosigner? CONTENT: When Does It Make Sense to Use a Cosigner on a Personal Loan?\n-------------------------------------------------------------\nBringing a cosigner into the equation may help improve your chances of qualifying for an affordable personal loan if you're having trouble meeting the eligibility criteria on your own or if a cosigner would help you secure a much lower interest rate. It might be wise to get a cosigner if you're encountering any of the following roadblocks:\n*   **You have below-average credit.** If you don't currently meet the credit score requirements to qualify for a personal loan, bringing in a cosigner might be a viable workaround—assuming you have reliable employment and steady income to easily afford the monthly payment.\n*   **You don't meet the income requirements.** Even with great credit, inconsistent income could hurt your chances of obtaining a personal loan. Some lenders may be hesitant to approve you if you have an inconsistent employment history or lack of cash savings. Just be sure you have a plan in place for repaying your loan if the cosigner agrees to put their name on it. END