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Find the Right Cosigner Financing Options for Your Needs

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5-digit US zip code required to verify regional availability

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Your Data is Safe: MyFairLending will never sell, rent, or share your personal information with third-party telemarketers or unauthorized lenders. Your data is used solely to verify eligibility.

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$0 Application Cost
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How It Works

Three simple steps to explore cosigner financing options through our secure matching hub.

1

Select Preferences

Choose your desired financing amount and verify your local state zip code to confirm service availability in your region.

2

Invite a Cosigner

Connect a trusted friend or family member as a cosigner to unlock access to stable, fixed-rate installment structures with improved terms.

3

Review Matches

View qualified prequalification options that match your profile through our verified alternative financing network — at zero cost to you.

Start Comparing Options

No Hidden Fees. Full Transparency.

Every American deserves to understand exactly what they're comparing before they commit. Our platform is built on complete fee transparency.

Fee Type
Our Network
Market Average
Application Fee
$0 — Always Free
Up to $500
Prepayment Penalty
None — Pay off early, anytime
Often 1–5% fee
Origination Fee
$0 on comparison
1–8% of amount
Late Payment Policy
Clear, fixed grace period
Variable & hidden
Rate Type
Fixed-rate installment
Variable / adjustable

General Eligibility Overview

Our network connects you with alternative financing options designed for a broad range of financial backgrounds.

  • Must be 18+ years old and a US resident
  • Active checking or savings account required
  • Verifiable source of regular income
  • A willing cosigner with a stable credit profile
  • Residential zip code in a verified service state
Meeting these criteria does not guarantee a financing offer. All matching is subject to final verification by participating network lenders.

Frequently Asked Questions

Answers to common questions about our cosigner matching platform.

What is a cosigner and why does it matter?
A cosigner is a trusted individual — typically a family member or close friend — who agrees to share responsibility for a financing agreement. Adding a qualified cosigner can significantly improve the terms and options available to you, including lower fixed rates and higher available amounts, since the lender assesses the combined creditworthiness of both applicants.
How does the MyFairLending matching process work?
MyFairLending operates as an independent comparison platform, not a direct lender. After you submit your prequalification details through our secure utility, our system matches your profile against a network of verified alternative financing providers. You receive a curated set of options to review — all without a hard credit inquiry at this stage.
Are there any hidden fees to use MyFairLending?
Absolutely not. Our comparison and matching service is 100% free to consumers. We never charge application fees, membership fees, or consultation fees. We are compensated through referral arrangements with our lender network — this never changes the options you see or adds costs to your financing.
What types of financing options does your network offer?
Our network specializes in cosigner-backed fixed-rate installment financing, joint financing options, and alternative credit accounts. All options feature amortized installment structures — your payments are predictable and fixed throughout the financing term (24–60 months). Maximum APR in our network is 35.99%.
Will checking my options affect my credit score?
No. Submitting your prequalification information through our matching utility does not result in a hard credit inquiry and will not affect your credit score. Only if you proceed to formally accept a financing offer from a lender may a hard inquiry occur, and the lender will clearly disclose this before you finalize.
Is my personal information kept private?
Yes. MyFairLending is fully compliant with the Gramm-Leach-Bliley Act (GLBA) and applicable state privacy laws including CCPA. We do not sell your information to unauthorized third parties or telemarketers. Your data is used exclusively to facilitate the matching process with our vetted lender network. California residents may opt out of data sharing via our Do Not Sell link in the footer.

Ready to Explore Your Cosigner Financing Options?

Our secure, independent matching hub compares fixed-rate installment options at zero cost to you.

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Free to use • No hard credit inquiry • 256-bit SSL secured