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Can I use my spouse's income for a car loan?
I'm a stay-at-home mom who makes about $500 a month. Because of my low income, I want to list my husband's as my own on the car loan application. He travels frequently and can't go to the dealership. Can I use my spouse's income to get approval for a car loan?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
No. You won’t be able to use his income as your own for approval on a car loan.
In this case, go into the
dealership
and explain the situation. Most car dealers will work with you to get the deal done, including overnighting mail and forms to your husband, wherever he might be.If you want to, you can take out a joint loan with both of your name’s on it, and you should be fine. Otherwise, you’re not going to get approved.
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- Gregory R.
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