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Can I add my spouse to my car loan?
My spouse has terrible credit, and I want to help them build it back up. Can I add my spouse to my current car loan to help their credit recover?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Adding them to an existing
car loan
isn’t an option—you’ll have to refinance your loan before you can add them. That’s because you already squared away the terms of your existing car loan when you signed that paperwork. Fortunately, the process of refinancing a car loan is straightforward and nearly identical to the first time you got the loan—one of the few differences is that you’ll now be adding your spouse’s information to the loan.
Keep in mind: If your spouse has
poor credit
, it’s possible your refinancing options may not be as ideal as if you were applying on your own—but if the goal is to help them improve their credit score, having a record of on-time car loan payments will certainly help.Before you decide on a refinancing option: Make sure to shop around for rates and see what lenders can offer you. If your APR would go up as a result of adding your spouse to the loan, it might be worthwhile to consider alternative ways to build their credit.
MORE: The best type of car insurance to get if you’re married
View full answer
- Gregory R.
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