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Can you refinance a car simply to remove a cosigner?

I want to remove a cosigner from my loan because I've rebuilt my credit. Do I need to refinance to remove them? Is refinancing the best way to remove cosigners?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Good question! While you can certainly refinance a
car loan
 to remove a cosigner, you have an easier method: a cosigner release form. Most lenders provide this form to remove a cosigner, especially if your financial situation and credit have improved since you got the original loan.
If your lender doesn’t offer a cosigner release, you still have other options:
  • Refinance the car, as you suggested
  • Sell the car and buy a new one
  • Pay off the loan in its entirety
When and if you decide to refinance the car, take a look at your car insurance policy as well. You can save hundreds of dollars by downloading the
Jerry
 app—we’ll get you customized quotes from top providers so that all you need to do is pick the plan that works best for you!
Best of luck with removing your cosigner, and kudos to you for rebuilding your credit!
MORE:
How to reduce car payments without refinancing your car loan
Car LoanCosignersAuto Refinance
View full answer 
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