Grand Rapids, MI asked in Consumer Law for Michigan

Q: Can a cosigner be denied on my auto loan if they don't live at the same residents.

I was approved an auto loan by myself but was told my mother couldn't co-sign for me not living with her. Is this discrimination?

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2 Lawyer Answers

Trent Harris

  • Jackson, MI
  • Licensed in Michigan

A: No, it’s not discrimination. You were approved for a loan on your own credit. There appears to be no reason for you to have a co-signer, regardless of who they are, or where they live. There is no right to add other people to loans you’ve already been approved for.

As always, you get what you pay for. Be sure to talk to a qualified attorney about your specific situation before choosing to rely on information you get from internet discussion boards such as this one.

Adam Alexander

  • Consumer Law Lawyer
  • Southfield, MI
  • Licensed in Michigan

A: The alleged requirement that co-signors must live at the same address sounds fishy to me. However, this may be a particular requirement of a specific creditor, rather than the dealer. I agree with you that this could be an effort to obtain a higher interest rate.

I do not specialize in discrimination law, so I can't give you an opinion on that.

Hope this helps.

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