Two women sit together, looking at laptop screens, with one placing her arm around the other’s shoulders.

Does Being a Cosigner Affect Your Credit?

7 min read
Last Updated: June 18, 2025

Key Takeaways

  1. Cosigning a loan application could help a friend or family member qualify even if they have poor credit.
  2. Cosigners take responsibility for repaying a loan if the primary borrower fails to do so.
  3. Most credit card companies don’t allow cosigners, but there are other options for people without good credit.

See if you're pre-approved

Did you know?

Next steps

You may also be interested in

Share article

Was this article helpful?

Glad you found this useful. Could you let us know what you found helpful?
Sorry this article didn't help you. Can you give us feedback why?

Was this article helpful?

Thank you for your feedback

You are now on a Capital One webpage. Please be sure to review Capital One’s Terms & Conditions and Privacy Notice.