If you bought a car and your girlfriend co-signed but is not on the title does she have rights to the car or is she only responsible for the loan until it is paid off?

Answer 1

Only the loan needed to be co-signed; the car is yours unless you go and sign over your car or the car is in her name already. The insurance I mean. In the US the cosigner does not usually have rights of ownership to the vehicle unless they are also a title holder. Cosigning simply means the person is accepting responsibility for the debt if the primary borrower should default. This does not mean that the cosigner does not have legal options to prevent the vehicle from leaving the state of registration, recovering monies owed due to default of the primary borrower and other related matters.

Answer 2

If you are not paying the loan and the co-signer must pay, the co-signer may be able to obtain a court order that requires you to transfer the title.