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How can a cosigner be removed from a car loan?
What’s the process for removing a cosigner from my car loan? I want to take my ex-husband off because I’m making all the payments by myself anyway.
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Dealing with loans and cosigners can be tricky. But try not to worry! Here are three ways you can remove your ex-husband as a cosigner on your car loan:
- Talking to your lender. Some loan agreements include cosigner release options, which allow you to remove cosigners without changing the loan. But not every agreement includes this option. Call your lender and ask about their policy.
- **Refinance your loan. When you refinance, you’re essentially taking out a new loan that you can pay off at a lower rate. Since refinancing involves a new loan, you could remove your ex-husband by keeping him off your new agreement.
- Pay it off early. While this isn’t explicitly removing him as the cosigner, paying off your loan will erase the agreement altogether. If you’re financially able to take this route, be sure to check for anyprepayment penaltiesin your agreement.
Since you’re already taking time to update your loan agreement, take an extra minute to save on car insurance with
Jerry
. A licensed broker, the Jerry app can help you find and compare quotes from over 50 top providers for free. If you find a better rate, Jerry can help you switch plans and even help cancel your old policy.View full answer
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