How to remove cosigner from car?

Co-signing a car title involves agreeing to be liable for the loan if the primary borrower fails to make payments. Understanding the rights and responsibilities of being a cosigner is critical. Let’s dig deeper.

What is a cosigner?


A cosigner takes joint responsibility with another person for a loan or purchase. When it’s a car title, the cosigner’s name ‘and primary borrower are on it. Their signature can help get better loan terms or approval. However, they are equally responsible for paying back the loan and following all the agreement’s obligations.

Removing a cosigner from a car title requires both parties’ consent and a formal application at the DMV. But that won’t stop the cosigner from still having to repay the balance.

Pro Tip: Understand the terms and implications before getting a cosigner for a car title loan.

Why are cosigners used when buying a car?

Cosigners are a must if you’re buying a car. They guarantee lenders that the loan will be paid. They act as co-borrower and agree to pay the loan if the primary borrower can’t.

Co-signing is excellent for those with no credit history or low credit scores. With a cosigner who has a good credit score, you may get a lower interest rate or be approved for a loan.

But there may come a time when the cosigner wants to be removed from the car title. Refinancing the loan in your name only or paying off the whole amount is how to do this. You will need a good credit score and a steady income. After that, the cosigner can be taken off the title.

Pro tip: Talk about the responsibilities and expectations of a cosigner before entering the agreement.

What are the legal rights and obligations of cosigners?

Co-signing a car loan has significant legal and financial implications for both people. Before signing, it’s essential to know your rights and obligations.


  • Get a copy of the loan agreement.
  • Be told if the primary borrower defaults.
  • Talk about the loan agreement with the lender.
  • Sue the primary borrower if they don’t pay up.


  • Pay the loan if the primary borrower doesn’t.
  • Keep all the documents.
  • Stay in contact with the primary borrower.
  • Know that your credit score will be affected.

Removing yourself as a cosigner is difficult. It can be done by refinancing, selling, or transferring the title. However, it’s best to get legal help first.

Pro tip: Co-signing is a huge decision. Make sure you consider the risks and benefits before signing.

Removing a Cosigner from a Car Title

Removing a cosigner from a car title may be complex. Depending on the state, you may have to pay off the balance. Or, you may need a joint release from both parties. To update the title, you could go in person to the DMV. Understand the steps and regulations before attempting to remove a cosigner.

Pay off the loan early.

Want to remove a cosigner from your car title? Paying off the loan early is the fastest way! Here’s what to do:

  1. Check the loan contract. See if there are any prepayment penalties.
  2. Calculate the amount due. Include any early payment fees.
  3. Inform the lender of the early payment. Request the removal of the cosigner from the title.
  4. Once the lender confirms the loan is paid off and the cosigner is removed, apply for a new title from the DMV.

Paying off your loan early can help you become independent and build your credit score.

Refinance the car loan.

Refinancing your car loan can be a smart move. It removes a cosigner from the car title.

You need to replace your existing loan with a new one to do this. Here’s how:

  1. Shop and compare rates from different lenders.
  2. Apply for the new loan with only your name. Mention that you want to remove the cosigner.
  3. Get approval for the new loan. Pay off the existing car loan and transfer the title to your name.

Be aware that refinancing might affect your credit score. Choose a trustworthy, reputable lender with favorable terms.

Pro tip: Before refinancing, ensure you are eligible for the loan and can handle the payments without help.

Contact the Lender for Cosigner removal.

Step one is to call the lender if you want to take a cosigner off a car title. They could have specific rules, such as many payments on time, or they might ask you to refinance the loan in your name. Note these tips when you contact them:

  • Phone the customer service number on your loan statement or agreement.
  • Have your loan account number and the cosigner’s name ready.
  • Ask what you need to do to take them off the car title.

Pro tip: It’s tricky to take off a cosigner, so read your loan docs and ask questions if you’re unsure.

Reapplying for Car Title


Removing a cosigner from a car title requires you to reapply. This can be tricky, but you can do it quickly and correctly with the correct data. Here’s a guide on how to:

  1. Reapply for a car title with a cosigner
  2. Remove the cosigner

Fill out the application for title transfer

To remove a cosigner from a car title, you must first fill in an application for title transfer. This is switching the car’s ownership from the original owner and cosigner to the primary owner.

To fill out the form, you must provide the following:

  • Your personal information and contact details
  • The make, model, and year of the car
  • The VIN
  • The title number
  • The current odometer reading
  • The current owner’s signature and name
  • The cosigner’s signature and name (if applicable)

When applying, you may also have to pay your state’s DMV a fee.

Pro tip: Check with your state DMV for specific requirements and fees for removing a cosigner from a car title. It is always best to be prepared and informed before you start the process.

Apply and require documents to the DMV.

You need to get a new title from the DMV to remove cosigners from car titles. To do this:

  1. Ask the cosigner for a lien release.
  2. Download or get an application form from your local DMV.
  3. Please fill it out, and attach proof of ownership.
  4. Include the fee for the new title in the package.
  5. Submit all to the DMV.

Pro Tip: Call your local DMV office in advance to ensure you have all documents and fees ready. This will help you avoid any delays or problems.

Wait for the DMV to process the title transfer application

Once you have submitted your title transfer application to the DMV, the wait begins. It could take a few days or weeks for the DMV to process it. Keep track of the status and follow up if needed.

You will be given the new car title with your name and the cosigner’s name taken off.

Pro tip: Double-check the info on your new car title. Check the spelling of your name and the VIN. Make sure it is correct.

Alternatives to Removing a Cosigner

Removing a cosigner from a car title might not be simple or practical. It can be difficult and time-consuming. But there are alternatives! This article will discuss all of them.

Creating a new cosigner agreement

It’s impossible to remove a cosigner from a car title. Creating a new cosigner agreement can be helpful. This is how it works:

  1. Talk to the cosigner and explain why a new agreement is needed.
  2. Figure out the terms and rules – like who is responsible for what, who is liable, and what happens if late payments are made.
  3. Make a new agreement and have a lawyer look it over.
  4. All parties should sign and date the agreement. Give everyone a copy.

A new cosigner agreement can be a solution when removing a cosigner isn’t. But, all parties must agree to the new terms before using the agreement.

Selling the car and buying a new one without a cosigner

If you wish to sell your car and your cosigner is still on the title, you’ll have to figure out how to remove them. Here are some alternatives:

  • Refinance: If your credit score has improved, you can only refinance the loan in your name.
  • Pay off the loan: Pay off the balance and get the cosigner to sign the title.
  • Trade-in the car: Trade in your existing car and use the value towards a new car’s down payment.
  • Sell with the cosigner: Sell the car with the cosigner’s help, and pay off any remaining balance.

These alternatives will help you with a car transaction without removing a cosigner from the title.

Exceptional cases- Divorce or Death of the Cosigner.

Divorce or the death of a cosigner? If you’re in this situation and want to remove them from your car title, there are a few options.

  • Refinancing: Get a new loan, in your name only, to pay off the old one.
  • Sell or transfer ownership: Sell the car, or transfer ownership with the cosigner’s agreement to remove their name from the title.
  • Negotiate: Talk to the lender to try and remove the cosigner’s name. This is hard to do, though; you’ll need to prove your creditworthiness and good payment history.

In any case, these alternatives can help you get the cosigner’s name off the car title.

Frequently Asked Questions

What does it mean to remove a cosigner from a car title?

When a cosigner is removed from a car title, their name is no longer listed as a joint vehicle owner. This typically occurs when the primary borrower has met certain conditions and can now manage the car independently.

What are the requirements for removing a cosigner from a car title?

To remove a cosigner from a car title, the primary borrower must demonstrate a history of responsible payments for a set period. They must also meet specific credit requirements to show they can manage the car independently.

Can a cosigner voluntarily remove themselves from a car title?

Usually, a cosigner cannot voluntarily remove themselves from a car title. The primary borrower must make this decision, which usually requires the cosigner’s consent and action taken by the lender.

How long does it take to remove a cosigner from a car title?

The timeline for removing a cosigner from a car title will depend on the specific lender and their requirements. The process may take several weeks or months, and the borrower must meet certain conditions before the cosigner can be officially removed.

Does removing a cosigner from a car title affect the primary borrower’s credit score?

Removing a cosigner from a car title does not immediately affect the primary borrower’s credit score. However, if the borrower struggles to pay for the car after removing the cosigner, their credit could be negatively impacted.

What happens if a cosigner is not removed from a car title?

If a cosigner remains on a car title, they will remain liable for any payments or issues related to the vehicle. If the borrower fails to make payments or gets into an accident, the cosigner could be held responsible.