How do joint applications work?

Applying for a personal loan with another person may help you qualify for more money or a better rate. With a joint application, the credit profiles of both you and the co-applicant are taken into account and both applicants are responsible for repaying the loan. Get started with a joint application for a personal loan.

Joint applications are not available for Upgrade Cards at this time.

Articles in this section

• Are the personal loan rates fixed or variable?
• Can a personal loan or Upgrade Card be used for school?
• Can I apply by mail?
• Can I apply for another personal loan through Upgrade?
• Can I change my instructions?
• Can I include additional income?
• Can I include household income on my application?
• Can I increase my loan amount after I’ve already selected an offer?
• Can I mail my documents to you instead?
• Can I use my entire loan to pay off my credit cards?