Cosigner personal loansTogether Loans: Personal Loans With a Cosigner
Fixed-rate loans from $3,000 to $10,000 for borrowers with poor or little credit who have a qualifying cosigner.
A qualifying cosigner is required · No added fees
How Together Loans works
Together Loans is built for people who have been turned down by banks or other lenders because of poor or limited credit. You apply with a cosigner, usually a close friend or family member, who agrees to make the payments if you can't. Because the cosigner shares the risk, Together Loans says it can offer larger amounts and lower rates than many bad-credit loans.
A good cosigner typically has an excellent credit history, stable income and, ideally, owns a home. They should be financially separate from you, meaning you don't share credit or bank accounts.
Is Together Loans a good fit?
Likely a good fit if you
- Have been declined elsewhere because of your credit
- Have someone with strong credit willing to cosign
- Need $3,000 to $10,000
- Want a fixed payment over 2 to 5 years
Probably not a fit if you
- Don't have a cosigner, or don't want to put someone else on the hook
- Have good credit and could qualify for a lower APR on your own
- Are currently in bankruptcy
Loan terms
| APR | 35.99% fixed |
| Maximum APR | 35.99% |
| Repayment period | 24 to 60 months |
| Loan amounts | $3,000 to $10,000 (varies by state) |
| Fees | No added fees |
| Cosigner | Required |
What a loan could cost
36 months, $5,000: fixed 35.99% APR. You make 36 monthly payments of $229.01, $8,244.36 total.
Representative example from togetherloans.com. Available amounts and rates vary by state.
How it works
- Apply online with your cosigner's details.
- Together Loans verifies identity and underwrites the loan. Your cosigner must meet its credit criteria.
- If approved, applications approved by 12pm Eastern are typically funded the same business day; later approvals are typically funded the next business day.
Questions
What does a cosigner agree to?
A cosigner agrees to make the payments if you can't. Missed payments can affect both of you, so talk it through before applying.
Can I apply without a cosigner?
No. Together Loans requires a cosigner who meets its credit criteria.
Are there fees?
Together Loans says there are no added fees. The 35.99% APR is fixed for the life of the loan.
How fast is funding?
Applications approved by 12pm Eastern are typically funded the same business day; later approvals are typically funded the next business day.
Is Lending Partners the lender?
No. Lending Partners is an independent site. We don't make loans, take applications or make credit decisions.
About the lender
Personal loans through the Together Loans program are issued by Medallion Bank, Member FDIC; Transform Credit Inc. (NMLS ID 1905055); or TL Financial Services LLC (NMLS ID 2766355), depending on your state. Together Loans is a financial technology company, not a bank. All loans are subject to identity verification and underwriting approval.
Lending Partners may be paid when you visit or get a loan through links on this page. That doesn't change the terms shown, which come from togetherloans.com as of October 27, 2026, and may change. Together Loans gives you the final terms and loan agreement before you accept.
About Lending Partners. Lending Partners is an independent comparison site. We are not a lender, broker or loan servicer. We don't make credit decisions, take loan applications or charge you for using this site. We may be paid by companies whose products appear on this site. This may affect which products we show and where they appear, but it doesn't affect the terms a lender offers you.
Rates and terms. Each lender sets its own rates, fees and terms, and they can change. Lender details on this site come from the lender's own published information as of the date shown on each page. The lender will give you the final APR, fees, repayment terms and loan agreement before you accept. Approval isn't guaranteed and depends on the lender's review of your credit and other information.
Your credit. Lenders may check your credit. Missing a payment or paying late can lead to fees and can hurt your credit score.
Not all products are available in all states.