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How do I get a co-signer off of my car loan?
When I got my car loan, my mom had to co-sign because my credit wasn't great. Now that I've improved my credit, I'd like to remove her from the loan. How do I do that?
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That’s great that you’ve improved your credit! If you’d like to get a co-signer off of your loan, you can try to get a co-signer release form. If you aren’t eligible for one, you can refinance the loan to change your loan terms.
Contact your lender to see what their requirements are for obtaining a co-signer release form. Often, you’ll have to demonstrate a certain degree of financial fitness. Some lenders won’t let you get a release form at all. If you do get the form, though, all you need to do is fill it out and send it back.
Refinancing your car loan will replace your current loan with a new one and is a surefire way to get your co-signer off the loan.
Refinancing could actually save you money, too, since you’ve improved your credit. During the refinance process, you’ll be able to renegotiate your interest rate and your repayment period.
Since you’ve improved your credit, it’s a good idea to take a look at your car insurance, too. Car insurance rates are often largely based on your credit score, so you may be paying more than you need to. Use
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