Personal Loans with Co-Signer 2026: Best Lenders & How to Apply Together
Lower your APR by 3-10% · Increase approval odds · Loans up to $100K · Soft credit check
Soft credit check only · No SSN required to compare · No score impact
Quick Answer
Yes, you can get a personal loan with a co-signer. Lenders like SoFi, LendingClub, Upstart, and Prosper allow co-applicants. A co-signer with 670+ credit can lower your APR by 3-10% and significantly increase approval odds. Both parties are equally responsible for the loan. Compare co-signer-friendly lenders at Money Pup Loans with a soft credit check.
Best Personal Loan Lenders That Allow Co-Signers — August 2026
| Lender | Co-Signer Type | APR Range | Max Loan | Min Credit | Co-Signer Release? | Best For |
|---|---|---|---|---|---|---|
| 🏆 Money Pup Loans | Compare all | Varies | $50K | 580+ | Varies | Multi-lender matching |
| 💼 SoFi | Co-applicant | 8.99-29.99% | $100K | 680+ | No | Large loans, no fees |
| 🤝 LendingClub | Co-applicant | 9.95-35.89% | $40K | 600+ | No | Flexible, peer-to-peer |
| 🤖 Upstart | Co-applicant | 7.80-35.99% | $50K | 580+ | No | AI approval, bad credit |
| ⭐ Prosper | Co-signer | 8.99-35.99% | $40K | 600+ | No | Peer-to-peer platform |
| 🎖️ Navy Federal CU | Co-applicant | 8.49-18% | $50K | 550+ | No | Military families |
| 🏦 Wells Fargo | Co-applicant | 8.24-24.49% | $100K | 660+ | No | Existing customers |
⚠️ Lenders That Do NOT Allow Co-Signers
If you need a co-signer, skip these lenders and focus on SoFi, LendingClub, Upstart, or Prosper.
Applying with a co-signer?
Compare co-signer-friendly lenders. Soft credit check only. No score impact. Lower your APR by 3-10%.
How a Co-Signer Lowers Your APR: Real Examples
| Your Credit | APR Alone | Co-Signer Credit | APR with Co-Signer | Savings on $20K/48mo |
|---|---|---|---|---|
| 580 | 28% | 740 | 12% | $3,432 saved |
| 620 | 22% | 740 | 10% | $3,002 saved |
| 660 | 16% | 740 | 9% | $2,534 saved |
| 680 | 12% | 760 | 8% | $834 saved |
| 700 | 10% | 780 | 7.5% | $432 saved |
A co-signer with excellent credit can save you $2,500-$3,400+ on a $20,000 loan. The lower your credit, the more a co-signer helps.
Apply with a Co-Signer
Compare co-signer-friendly lenders. Soft credit check only. No score impact. Lower your APR by 3-10%.
See Our Offers →How to Apply for a Personal Loan with a Co-Signer: 5 Steps
Find a willing co-signer
Ask a family member or close friend with 670+ credit and stable income. Make sure they understand the risks — they are equally responsible for the loan.
Choose a co-signer-friendly lender
SoFi, LendingClub, Upstart, and Prosper allow co-applicants. Use a marketplace to compare all of them with one soft credit pull.
Both applicants provide information
Both you and your co-signer enter personal info: income, employment, housing payment. Both get a soft credit check — no score impact for either.
Review joint offers
See pre-approved offers based on the combined credit profile. The co-signer's stronger credit should result in a lower APR than you would get alone.
Both sign the loan agreement
Both parties must sign the final loan agreement. Both are legally responsible for repayment. Set up autopay to ensure on-time payments.
Related Guides
Frequently Asked Questions
Can I get a personal loan with a co-signer?
Yes. Several lenders allow co-signers on personal loans: SoFi, LendingClub, Upstart (co-applicant), and Prosper. Adding a co-signer with good credit (670+) can lower your APR by 3-10% and significantly increase approval odds. The co-signer is equally responsible for the loan. Using a lender marketplace lets you compare co-signer-friendly lenders with one soft credit pull.
→ Apply with a co-signer — soft credit check only, lower your APR by 3-10%, no score impactWhat credit score does a co-signer need?
A co-signer should have a credit score of 670 or higher to meaningfully improve your loan terms. For the best rate reduction (3-10% lower APR), the co-signer should have 720+ credit, a low debt-to-income ratio (below 30%), and stable income. The co-signer's credit profile is evaluated alongside yours — the stronger their profile, the better your rate.
→ Apply with a co-signer — soft credit check only, lower your APR by 3-10%, no score impactWhich lenders allow co-signers on personal loans?
Lenders that allow co-signers or co-applicants on personal loans include: SoFi (co-applicant), LendingClub (co-applicant), Upstart (co-applicant), Prosper (co-signer), and Navy Federal Credit Union (co-applicant). Note: LightStream, Discover, Marcus, and Avant do NOT allow co-signers. Always check the lender's policy before applying. Using a marketplace helps you find co-signer-friendly lenders.
→ Apply with a co-signer — soft credit check only, lower your APR by 3-10%, no score impactWhat are the risks of co-signing a personal loan?
Co-signing a personal loan carries significant risks for the co-signer: (1) they are equally responsible for repayment — if the primary borrower misses payments, the co-signer must pay, (2) the loan appears on the co-signer's credit report, increasing their debt-to-income ratio, (3) late payments damage the co-signer's credit score, (4) the co-signer cannot easily remove themselves from the loan. Only co-sign for someone you trust completely.
→ Apply with a co-signer — soft credit check only, lower your APR by 3-10%, no score impactCan I remove a co-signer from a personal loan?
Removing a co-signer from a personal loan is difficult but possible: (1) some lenders offer co-signer release after 12-24 months of on-time payments — check your loan agreement, (2) you can refinance the loan in your name only (if your credit has improved), (3) you can pay off the loan early. Not all lenders offer co-signer release. The most reliable way to remove a co-signer is to refinance the loan solely in your name.
→ Apply with a co-signer — soft credit check only, lower your APR by 3-10%, no score impactDoes a co-signer show up on my credit report?
Yes. The personal loan appears on both the primary borrower's and the co-signer's credit reports. On-time payments help both credit scores. Late payments or default damage both credit scores. The loan also counts toward both parties' debt-to-income ratios, which may affect their ability to get other loans. Always communicate with your co-signer about payment status.
Written by
Sarah Mitchell
Personal Finance & Co-Signer Lending Specialist · 11 years experience
Sarah helps borrowers and co-signers understand the responsibilities and benefits of joint personal loans.
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Lower your APR by 3-10%. Increase approval odds. Soft credit check only. No score impact. Compare co-signer-friendly lenders.
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