Quoting Post Archived Topic: It will not be bumped to the top of the forum. Topic Getting a loan without a cosigner. Membername   Not a member? Sign Up Free (takes 20 seconds) Password   Forgotten your password? Post Font: Verdana Arial Black Georgia Comic Sans Impact   Size: Tiny Normal Big Huge   Color: Default Dark Red Red Orange Brown Green Olive Cyan Blue Dark Blue Indigo Black [ Check Spelling ] [ Post Preview ] [ LiveTags ] Quote: from [m]dreamweaver[/m] at 8:39 am on July 26, 2008[quote]Not for the type of loan you're wanting. BUT... you don't have to have your dad to cosign. If your mom is willing to help you out, as it sounds like it, then you could use her as a cosigner. [/quote] FAQ Keyword Search: Post Options Favorites Manager Notify me of new replies to this topic by email Notify me of new replies to this topic by private message Original Post Majo Posted at 8:34 am on July 26, 2008 What do you have to do/where do you have to go in order to get a loan without needing a cosigner? Is it as simple as having a credit history? If so, do you have to have a year's worth or what are we looking at? My Dad was making payments on what my school didn't give me in loans and scholarships but has since decided that he wants nothing to do with me. He's tried to control everything between where I go to school, what I go for, what I do with my own money, who I date, where I work, how long I should work during the summer, etc. He even went so far as to try and push me to apply for jobs in PA...from all the way in NY... He's always been incredibly controlling, he won't even tell my Mom what kind of money we have or even if he's sick (he stopped drinking a year or two ago which is odd...even after he wrecked his car driving drunk and nearly killed himself, he kept drinking...so we sort of think it's a medical issue and any time he's needed to see a doctor or take medication, he's refused to state why so my Mom's stopped asking). I never wanted his help but couldn't tell him why or he probably would have smashed me one -- "Dad, I don't trust you and don't want to owe you that sort of money, leave me alone." So, yeah...I'm worried because he kind of ditched me last minute but if I can figure this out somehow, I can finally start to break free from him and the abuse and stress. I'll be 20 in two weeks. My Mom and I have an account together so I was wondering if maybe anything that was paid using our credit card would count as credit history for me. The account is almost a year old. Not sure if any other info would help or not.

Replies Majo Posted at 9:09 am on July 26, 2008 It's just for my tuition. Al Legator Posted at 9:00 am on July 26, 2008 Is this loan for tuition/living at college? Your school should be able to help you there. If it's just a general loan then I doubt you'll get a large loan(though $8k is not considereed that large by banks.). Your credit history linked to yoru Mom probably isn't that useful but it's a start. Talk to a credit union which is usually more flexible and understanding. You don't soudn like a great credit risk so rates will tend to be higher, but you don't sound like a terrible one either. Banker/s Credit Union mgrs make decisions based on more than simple credit history so keep asking until you get what you need. But only what you need. School is important- s car, is not. At least not to a banker. Majo Posted at 8:47 am on July 26, 2008 She's not willing to help, she helped me get an $8,000 loan with an amazing interest rate (less than 1%), and is still bitching about it. Honestly, she has no clue what she's blabbing about. She thinks my Dad was making payments on my loans when he wasn't, he was making payments on money that hadn't been loaned to me rather than finding loans elsewhere. She also thinks you basically gotta pay that $8,000 as soon as you get out of school and in one chunk. And according to my Gram, who I used to think was relatively bright, my Mom is right -- she should never have cosigned my loan and thinks that's stupid. Okay, so...kids can't get loans on their own...and it's stupid for a parent to cosign...so only rich kids can afford to go to school now?... dreamweaver Posted at 8:39 am on July 26, 2008 Not for the type of loan you're wanting. BUT... you don't have to have your dad to cosign. If your mom is willing to help you out, as it sounds like it, then you could use her as a cosigner. newman Posted at 8:35 am on July 26, 2008 It's not possible in this lifetime, I'm afraid. All 5 previous replies displayed.