About a year ago I cosigned with my friend to get a loan for a car with me being the main signer. Fast forward to now, and he is always late on payments and it is hurting my credit.
He barely works just enough to not get it repossessed. He won’t give me the keys because he has family relying on him among other reasons. How do I get the car back? Can I get it towed?
You are on the hook for the car payments. That’s literally the point of cosigners. The bank said ‘we don’t think this dude will pay for this car’ and you said ‘don’t worry bank, if he doesn’t pay I will’
You’re on the hook unless you can get him to refinance without you being on loan.
Loan is different from title.
You don’t own that car just because you were too naive and helped finance it.
In the future don’t co-sign for friends. No idea who does that, it’s never a good idea.
How do you get him to pay? Old fashioned ways of pressuring him nonstop, or paying yourself so that your credit isn’t impacted.
You essentially are gifting your friend a car, but that’s what you get for agreeing to cosign.
Just once, I wish someone would post a story about how “I co-signed a car loan for someone that demonstrated their lack of financial maturity already and it was the BEST thing I ever did and we’ve never been closer! I highly recommend this!”
“He won’t give me the keys because he has family relying on him among other reasons.”
Yeah, imagine that! BS excuse. What are your ages btw?
In the future, don’t cosign for anyone
Whenever I think people can’t be THAT stupid, this sub continues to prove me wrong.
Are you on the title? Because if not, then technically it’s not your car.
Time to bail out the friend again and bring YOUR car payments back to current or watch your credit tank. How is the car titled? That will determine what you can do.
How much is needed to get it back current?
I’d tell your friend you will pay that amount on Monday if they don’t do it sooner. But the catch is that he owes you lawn moving or driveway shoveling until you are made whole (and you pay minimum wage). If that means he is at your house every weekend for the next 6 months making it look perfect, then so be it.
I’d like to jump in and agree with some of the comments here. Don’t ever cosign. I did it for my son when he was 18 and he was recently late enough times that it dropped my credit like 200 points. He didn’t ask for help or tell me he wasn’t able to make the payments. I eventually just paid the car off so it could no longer hurt my credit, but boy am I still pissed off about it. Don’t do it folks.
You could offer him money to refi it without you on it. Friends don’t let friends twist in the wind. Sorry, bud.
You have demonstrated the main reason to never co-sign for anyone that you aren’t married to.
The bank, with its infinite resources and access to your friends complete financial history said, “we don’t trust this guy to pay this loan.” And you, being way too nice/naïve decided to tell the bank that you will pay for the loan if he doesn’t. Now he’s not paying the loan. So that means you have to.
Your options are to either get him to pay, pay it yourself, or let the car get repossessed wherein both of your credit scores will go in the tank.
Pretty doubtful anyone else will give him a loan to get you off the current one. You are pretty much screwed, here. Sorry I don’t have anything better to tel you.
Who’s on the title and registration and insurance?
If the answer is something other than you, you have no legal right to possess or operate the vehicle. You’re responsible for the note, and the note only.
If you are on the title and registration, then the vehicle is as much yours as it is his. But unless you have keys, you’re not going to be able to do much with it.
Your choices – if you’re not on the note – are to pay or not to pay; if you elect not to pay, then you take the credit hit.
> How do I get the car back?
You aren’t on title. So you can’t force your friend to give you the car.
> Can I get it towed?
No
Is the car worth more than the balance of the loan?
I really wish people would come and ask these questions before making these decisions. My BIL wanted me to co-sign for a car. When my wife asked me, I explained to her what that means. I said do you want to go buy a car for your brother? She looked at me and emphatically said no. I said, that’s what co-signing is. She told him no.
Co-signing for a friend is crazy, if you ask me. It’s something a parent might do for their kid. You’re basically putting yourself on the hook for their car payment.
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