Absolutely! Sometimes, bad credit car buyers are even required to have a cosigner on their loan. Even if you don't need a cosigner, having a close friend or family member with good credit cosign may give you the boost you need to get the best rates and terms available to you. When a cosigner is used on your loan, they have to meet similar qualifications that you do with the lender. So, if you have a cosigner in mind with great credit, but no job, they wouldn't qualify. Typically, subprime lenders who issue bad credit auto loans need both you and your cosigner to meet basic requirements involving income, employment, and credit. Though requirements vary by lender and individual situation, you'll usually each need to make $1,500 to $2,000 in pre-tax monthly income, from a single source of taxable income. The reason your cosigner has to meet these standards is that, by putting their credit on the line for you, they're also agreeing to make payments in the event you're unable or unwilling to do so. This also means that their credit is impacted just as much as yours, both for better and for worse, depending on how the loan is handled. You should know, too, that even though a cosigner can be held responsible for any missed payments, they have no ownership over the vehicle. So, it's a good idea to select your cosigner carefully and make sure they're fully aware of what they're getting into by helping you get a loan. We recommend that you try everything you can to get approved without a cosigner first. It could be that you simply aren't working with the right dealer or lender. Auto Credit Express connects car buyers to local dealerships that are signed up with lenders that are experts in helping borrowers with bad credit, no credit, and other credit issues, so we may be able to help you find auto financing without a cosigner.