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Your current lender almost never simply releases a co-signer; the clean exit is a refinance in your name alone, which pays off the shared loan and starts a new one that is entirely yours.
Only some institutions run that play. These are the network's options.
Best overall for co-signer removalFeatured partner
5.24%
Est. APR from
550+
Min credit
2-5d
Funding
Consumers Credit Union handles co-signer changes nationwide with the network's deepest credit union floor at about 550, which matters because removals succeed or fail on your solo file. The advisor manages the title change that makes the release real, not just financial.
Best at any balance
5.24%
Est. APR from
560+
Min credit
3-5d
Funding
DCU supports co-signer changes across its $5,000 to $500,000 range, covering both the nearly-paid-off loan you are finishing solo and the large balance that needed the co-signer in the first place.
Best with a payment cushion
5.49%
Est. APR from
580+
Min credit
3-6d
Funding
First Tech pairs co-signer changes with up to 90 days before the first payment, breathing room for a borrower whose budget is absorbing the loan alone for the first time.
See if you qualify to take the loan alone
Check my solo optionsMake sure your solo file can carry the loan
The new lender prices the refinance on your credit alone. A year or more of on-time payments on this very loan is the strongest evidence you can have, and it is already on your report.
If the solo quote comes back worse than the original rate, you can still decide independence is worth it; just decide on real numbers, which the soft-pull match shows before anyone commits.
We ranked the network lenders supporting co-signer changes by credit acceptance, loan range, and cash-flow features. Removal requires refinancing in your name alone; figures are representative estimates. Read our full methodology
Frequently asked questions
Can I remove a co-signer without refinancing?
Rarely. Most lenders do not offer releases, so refinancing the loan in your name alone is the standard path.
What does my credit need to show?
Enough solo strength to carry the loan, ideally including on-time history on the existing loan. Network floors for removal refinances start around 550.
Does removal hurt my co-signer's credit?
It usually helps them: the loan leaves their report as a paid obligation, freeing their debt-to-income ratio.