Girlfriend didn't co-sign for auto loan...

**35th-ANV-SS** · 12-13-2009, 02:44 PM

Originally Posted by InEEdSPEED

I didnt say bad credit. I just mean like if she does that then she cant finance something else she wants.

Ahh. OK.

I think Smittro summed it up nicely.

**BdAsBrd01** · 12-13-2009, 02:46 PM

Originally Posted by Smittro

I will not co-sign for anyone not even family.. Not only because my family on my mothers side is all losers but because of the financial risk being to high. If for some reason they fall on hard times or they just stop paying YOU are the one the bank will come after.. That is basicly what a co-signer is. You've made yourself responsible if they don't pay for whatever reason. IMHO being a co-signer is in preparation for taking it up the ass with a 2x4.. The odds of you getting that loan modified are slim to none. The bank wants thier money and does'nt care how you get it.. If her credit score required a co-signer before I seriously doubt it has significantly improved to the point where she can now go it alone. In other words if no one would lend her the money before they prolly wont now either. You're prolly going to have to bite the bullet on this one, and I am suspect she may be getting ready to bail out on your relationship.. Or @ least having second thoughts about it..

Live and learn my friend, next time think about the future with shrewdness rather than with your heart or cawk.. Good Luck...

I am in agreement with you on both points. Family will fuck you over just as fast as a gf, if not faster. Then you have problems and excuses getting your damned money. Also a good point, the banks don't give shit, they just want their money back. The more people they can tap to get the loan repaid, the better for them. If she needed a cosigner before, they might not let him go because he's a more stable person and they think they'd stand a better chance getting the money back from him than her.
A side note, I hate banks, Andrew Jackson had the right idea about what to do with them. Pay in cash if at all possible (I know it's hard to do) so you won't get caught up in their games and fine print.

**Smittro** · 12-13-2009, 02:51 PM

...and to add, always keep family,love, and relationships seperate from business.. They are like oil and water rarely do they mix.. Though I have shown my love for family though. I employ my father in-law..

**BdAsBrd01** · 12-13-2009, 02:56 PM

Originally Posted by Smittro

...and to add, always keep family,love, and relationships seperate from business.. They are like oil and water rarely do they mix.. Though I have shown my love for family though. I employ my father in-law..

Man your nice, that's taking it a step farther than I think I would

! It'd be a big clusterfuck if I was that nice.

**Smittro** · 12-13-2009, 03:06 PM

Originally Posted by BdAsBrd01

Man your nice, that's taking it a step farther than I think I would

! It'd be a big clusterfuck if I was that nice.

Haha simply put I am mean by nature. Especially when it comes to money. That is as far as I will go with the mixing of business and family. I am very shrewd, and run a tight ship from my home office

. I had to let a guy go once for lack of performance. I don't take pleasure in firing folks but I don't play around either, leave your home life @ the door there's no place for it on my dime. My father in-law once said, "WOW hope I never make you mad @ me.." To which I looked up from under my brow and said, "there's a customer out front....."

**BdAsBrd01** · 12-13-2009, 03:11 PM

Originally Posted by Smittro

Haha simply put I am mean by nature. Especially when it comes to money. That is as far as I will go with the mixing of business and family. I am very shrewd, and run a tight ship from my home office

. I had to let a guy go once for lack of performance. I don't take pleasure in firing folks but I don't play around either, leave your home life @ the door there's no place for it on my dime. My father in-law once said, "WOW hope I never make you mad @ me.." To which I looked up from under my brow and said there's a customer out front.....

That's priceless!! Sounds like you're doin' business the smart way, no messing around.

**Ramairgod84** · 12-13-2009, 03:47 PM

lmao. Guys, you didnt think of the most obvious reason why she said no. She just found his sex toy he named after her sister, eyes and all. Even complete with her name on the side. Do you really think she's gonna want to cosign for a loan after that? She probably thinks you've got other plans in the making. If that's not the case, some girls are just like that. My gf will be moving in with me soon, we've been together for nearly 3 years, and she doesnt want to be on the same insurance plan because she fears she'll have to pay more because of the T/A.

**SeVeReDiStOrTiOn** · 12-13-2009, 04:27 PM

Originally Posted by Musclefan21

ok, unlike the other thread, this is a serious one. I just want to know how you would feel and what would you do if you were in my situation.

Me and my gf (both 25) have been together for 1 year. been living together for 6 months and before we moved in together, i co-signed for her for a car she wanted. because i loved her and she really wanted it.

yesterday i needed her to cosign for me to get a longer term on a loan (i was already approved with a good rate alone) and she said that she didnt want to. today i told her that i am glad that you were there for me just like i was there for you when u bought a car and she said that it was a rush and she wasnt available to do it. i told her that we have time till monday and she said that she didnt want to and she didnt feel comfortable with it.

Just an FYI, i am a professional who has been with the same job for 2,5 years and make ok to live and have a high 600s credit score. very clean cut individual. this weakened my relationship a lot. i dont even think i want to be with her after knowing that she wouldnt help me because she didnt trust me or something even though i helped her. so what do you think?

She's got more balls than you bro...she said no and that's something you can't do. You're fuckin insane for co-signing on a car with a girl you're dating. Not only are you financially responsible but if she wrecks you can also be sued as the other registered owner. Your relationship with this chic is on the way out so stop trying to latch on to her in financial ways. A one year relationship isn't shit...cut her loose before it turns into an 8 year waste of life you can't get back.

**gd1996** · 12-13-2009, 04:42 PM

Originally Posted by Ramairgod84

lmao. Guys, you didnt think of the most obvious reason why she said no. She just found his sex toy he named after her sister, eyes and all. Even complete with her name on the side. Do you really think she's gonna want to cosign for a loan after that? She probably thinks you've got other plans in the making. If that's not the case, some girls are just like that. My gf will be moving in with me soon, we've been together for nearly 3 years, and she doesnt want to be on the same insurance plan because she fears she'll have to pay more because of the T/A.

I didn't realize it was the same guy... I think he's fucked even more now! I'm sure shes very insecure now and I wouldn't doubt she ends up with another girl before he even realizes whats up.

**whoa guy** · 12-13-2009, 05:02 PM

the best piece of advice I've seen on here is to HAVE A GROWN UP CONVO with her. I can understand everyone's points and opinions, but lets all look at everything here.... not just the negative. You have to get to the point of why she's hesitant to do it in the 1st place. Just because someone says "I love you" doesn't mean you're going to see eye to eye on everything. If shes a mature adult, she'll be willing to talk to you about it. If she's not willing to discuss, there are other issues at hand and you have to be tactful on your approach.

Why even extend a loan out further, when you're just going to pay more in interest. Its only $50 a month difference.. Keep your current loan.. it will be paid off quicker.

**2000redcamaro** · 12-13-2009, 07:02 PM

Originally Posted by Musclefan21

lower payments. not for approval, i was already approved. her co-signing would get me approved for a longer term. thats it. the deal is done, i bought the car. this is just bugging me and i wanted to get your opinions on it.

longer turm that would save you $50 would cost you more it the long run. i think she kinda saved you money. but with the now that you know her true colors its up to you how you handle it

**2000redcamaro** · 12-13-2009, 07:09 PM

Originally Posted by JonB

Not sure how the law is where the OP is but I know here in fl if you co-sign on the loan you are also listed on the registration of the vehicle which also means you must be on the insurance for the vehicle. So if she ever gets in an accident not only can she be sued but they can also come after you because you are a registered owner and on the insurance. Even though you may never even step foot in the car or ever drive it you can still be held liable if she ever gets in a accident. So first and foremost make sure she has good coverage on the car cause if she has the low end coverage then can then try to come after your insurance if the accident exceeds her limits. It pretty screwed up but it can happen like I said each state may be differnt but thats how it is here in fl and I know all this from experience my dad co-signed on my 01z28 back in 02 and what I descried above is pretty much what I have been dealing from my accident 3 years ago, guy never took what was offered my insurance he is now sueing both me and my dad. So basically never co-sign on a loan unless you are married PERIOD they way it is in fl I don't think I would even co-sign on my kids(if I ever have any) car either there getting a beater payed in full. If you ever break up I would fight her nail and tooth to get your name off that loan, make here get it in her name only no matter what.

you dont have united auto insurance do you?

**Ramairgod84** · 12-13-2009, 07:16 PM

I find it its difficult to put a real feeling down on the situation. You bought a fleshlight, made it to somewhat resemble her sister, named it after her sister. And then your gf catches you with it, and then you get pissed off when she doesnt want to cosign for a loan with you. I can see why she didnt want to cosign for the loan, but then i can also see why you bought a fleshlight, if what ur saying is true, that she just denies you all the time. But could your actions also be provoking her to say no and deny you? also, the fact that you gave that toy her sister's characteristics, subconsciously maybe you you wanted to be caught. I'd never leave something like that out in the open with a name on it. That's self incriminating evidence. Just my opinion now that i've had a chance to think about it. I thought it was funny what you did at first, but when you do that, you cant turn around and ask her to commit to something like that when what you did shows you're into her sister.

**c5z28** · 12-13-2009, 08:01 PM

Originally Posted by Ramairgod84

I find it its difficult to put a real feeling down on the situation. You bought a fleshlight, made it to somewhat resemble her sister, named it after her sister. And then your gf catches you with it, and then you get pissed off when she doesnt want to cosign for a loan with you. I can see why she didnt want to cosign for the loan, but then i can also see why you bought a fleshlight, if what ur saying is true, that she just denies you all the time. But could your actions also be provoking her to say no and deny you? also, the fact that you gave that toy her sister's characteristics, subconsciously maybe you you wanted to be caught. I'd never leave something like that out in the open with a name on it. That's self incriminating evidence. Just my opinion now that i've had a chance to think about it. I thought it was funny what you did at first, but when you do that, you cant turn around and ask her to commit to something like that when what you did shows you're into her sister.

you have lady problems of your own

**stunna p** · 12-13-2009, 10:37 PM

my advice, crash the fukin car! . say u tried to miss a pack of deer running across the hwy/road. and smash a tree almost head on at 35 mph. total it!the car will be fucked. the ins. will pay off the loan. u will then be free and clear. then go home, grab her by the face. and throw her the fuk outta your house. get a restaining order against her. move forward with your life, while learning from your choices.. good luck, sincerly yours, stunna!

**BdAsBrd01** · 12-13-2009, 11:53 PM

Originally Posted by stunna p

my advice, crash the fukin car! . say u tried to miss a pack of deer running across the hwy/road. and smash a tree almost head on at 35 mph. total it!the car will be fucked. the ins. will pay off the loan. u will then be free and clear. then go home, grab her by the face. and throw her the fuk outta your house. get a restaining order against her. move forward with your life, while learning from your choices.. good luck, sincerly yours, stunna!

**DrMilhouse** · 12-14-2009, 02:11 AM

I thought that the other thread about the fleshlight was a joke.

The grown up conversation is obviously pretty out of the question. I'd say just leave and hope she pays YOUR payments for the other loan. You signed it, they're your responsibility. Good luck with that one.

**justinmc978** · 12-14-2009, 02:19 AM

Originally Posted by stunna p

my advice, crash the fukin car! . say u tried to miss a pack of deer running across the hwy/road. and smash a tree almost head on at 35 mph. total it!the car will be fucked. the ins. will pay off the loan. u will then be free and clear. then go home, grab her by the face. and throw her the fuk outta your house. get a restaining order against her. move forward with your life, while learning from your choices.. good luck, sincerly yours, stunna!

**DIRTY JERZY** · 12-14-2009, 07:16 AM

Mine bought a house with out me I got to see it for the first time yesterday its a dump that will need double what she paid for put into it and its in the getto

no matter what you tell her when you talk it wont matter at all she will not be listening I suggest calling her fat and telling her to get back in the kitchen and make me a samich

**War Theory** · 12-14-2009, 07:55 AM

Originally Posted by Musclefan21

Just an FYI, i am a professional who has been with the same job for 2,5 years and make ok to live and have a high 600s credit score. very clean cut individual. this weakened my relationship a lot. i dont even think i want to be with her after knowing that she wouldnt help me because she didnt trust me or something even though i helped her. so what do you think?

First off a high 600 is not that good to tell you the truth, I am at 758 and when I walk into a dealership I do pretty good and wify has a mid 800 when she walk's into a dealership they kiss her ass sideways.............But it does take alot of time to build.... Take what you just learned and step outside the box what if your friend told you this story what would you tell him? I for one would drop her and run....a woman who does not back their man's play is not worth it ....come on you backed her right?