If you need a cosigner they must sign because a co-signer is a person who accepts responsibility for repayment of a loan, credit card or other debt along with the original borrower.
However, if the institution giving you the new loan doesn't require a cosigner, you don't need to have the cosigner on your original loan sign anything.
Since you are both on the loan you are both on the title. You can refinance without them on the loan but would need them to sign the title over or transfer at close.
if you take it to your personal bank and ask them how much you need to have paid already they can indeed refinace you and remove the cosigner
The only way to take a cosigner off of a loan is to refinance it.
In order to refinance your car loan you need to have good enough credit to refinance in your own name and pay off the prior loan. If you pay off the prior loan you don't need to know the co-signer's whereabouts.
They would need to have the vehicle refinanced in their name only or obtain another cosigner for the refinancing.
Not if you are both on Title unless they forge your name.
Having a cosigner has nothing to do with your marital status. It's all about your credit. If you do need a cosigner for lets say a car loan, then it's better to have your spouse sign than ask a relative/friend to sign. Unless your spouses' credit is bad, then you have to look into a person who has good credit. Hope this helps!
No. The cosigner would have to apply for a loan in their name using their credit, income data.
The co-signer will usually only have to sign if they are listed on the title as a co-owner.
No. The loan must be paid off and you must refinance without the co-signer.
Only if you refinance the vehicle without the cosigner on the new loan.