It’s possible that you will want to consider the use of a co-signer to make it easier to get approved for your loan. Basically, a co-signer is someone who is ‘backing you up’ on the loan, giving the lender another option to recoup their money if you stop paying on the loan. Often, it will be parents or other family members who serve as co-signers. Before you consider this option, discuss the possibility with your lender or a few lenders to learn more about how it works and whether or not it will help in your case. Those with a limited credit history might enjoy a boost from a co-signer with strong credit, but the details will vary.