{"id":41371,"date":"2022-06-07T10:42:00","date_gmt":"2022-06-07T10:42:00","guid":{"rendered":" https:\/\/dev.way.com\/blog\/?p=41371"},"modified":"2022-06-07T10:42:00","modified_gmt":"2022-06-07T10:42:00","slug":"joint-auto-loan-vs-co-signed-auto-loans","status":"publish","type":"post","link":"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/","title":{"rendered":"Joint Auto Loans vs Co-signed Auto Loans: Which to Choose When?"},"content":{"rendered":"<p style=\"text-align: center;\"><em> You&#8217;ll hear these terms bandied about quite often &#8211; but do you really know what they mean? Let&#8217;s help you understand the difference between a joint auto loan and a co-signed auto loan &#8211; including which to pick and when!<\/em><\/p>\n<p style=\"text-align: justify;\"><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">Most people shopping for auto loans seem to think that co-borrowing and co-signing on an auto loan are the same thing. While both of them are related to taking out a loan with the help of someone else, the difference lies in the degree of help involved. Will the other person be making payments on the loans, or are they only letting you piggyback on their credit?\u00a0<\/span><\/p>\n<p>In this post, we break down what it means to sign on for a joint (co-borrower) auto loan vs. co-signed auto loan, and how to choose between the two.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #e71346;color:#e71346\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #e71346;color:#e71346\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#Joint_Auto_Loan_vs_Co-signed_Auto_Loan_A_Snapshot\" >Joint Auto Loan vs. Co-signed Auto Loan: A Snapshot<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#What_is_a_joint_auto_loan\" >What is a joint auto loan?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#Whose_credit_is_used_for_a_joint_auto_loan\" >Whose credit is used for a joint auto loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#When_should_you_consider_a_joint_auto_loan\" >When should you consider a joint auto loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#What_is_a_co-signed_auto_loan\" >What is a co-signed auto loan?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#Whose_credit_is_used_for_a_co-signed_auto_loan\" >Whose credit is used for a co-signed auto loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#When_should_you_consider_a_co-signed_auto_loan\" >When should you consider a co-signed auto loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#Main_differences_between_co-borrower_and_co-signer\" >Main differences between co-borrower and co-signer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#Can_Joint_and_Co-signed_Auto_Loans_Negatively_Affect_My_Credit\" >Can Joint and Co-signed Auto Loans Negatively Affect My Credit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#When_should_you_choose_a_joint_auto_loan\" >When should you choose a joint auto loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#Is_it_better_to_have_both_spouses_on_a_car_loan\" >Is it better to have both spouses on a car loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#Whose_credit_score_is_used_when_co-signing\" >Whose credit score is used when co-signing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#Is_a_co-applicant_the_same_as_a_co-signer\" >Is a co-applicant the same as a co-signer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#Can_I_remove_myself_or_the_other_person_from_a_joint_auto_loan\" >Can I remove myself or the other person from a joint auto loan? \u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#Is_it_better_to_be_a_co-signer_or_co-borrower_on_an_auto_loan\" >Is it better to be a co-signer or co-borrower on an auto loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#Can_I_have_more_than_one_joint_loan\" >Can I have more than one joint loan? \u00a0<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Joint_Auto_Loan_vs_Co-signed_Auto_Loan_A_Snapshot\"><\/span>Joint Auto Loan vs. Co-signed Auto Loan: A Snapshot<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"width: 92.5326%;\" data-tablestyle=\"MsoTableGrid\" data-tablelook=\"1696\" aria-rowcount=\"2\">\n<tbody>\n<tr aria-rowindex=\"1\">\n<td style=\"width: 53.4483%;\" data-celllook=\"0\">\n<p style=\"text-align: center;\"><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:259}\"> <strong>Joint Auto Loan (Co-borrowers)<\/strong><\/span><\/p>\n<\/td>\n<td style=\"width: 365.086%;\" data-celllook=\"0\">\n<p style=\"text-align: center;\"><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:259}\"> <strong>Co-signed Auto Loan<\/strong><\/span><\/p>\n<\/td>\n<\/tr>\n<tr aria-rowindex=\"2\">\n<td style=\"width: 53.4483%;\" data-celllook=\"0\"><span data-contrast=\"auto\">1. Both co-borrowers share the responsibility of monthly payments in a manner decided between themselves<\/span><\/p>\n<p><span data-contrast=\"auto\">2.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:259}\"> Both the co-borrowers are entitled to the use of loan funds<\/span><\/p>\n<p><span data-contrast=\"auto\">3. The credit scores of both co-borrowers will be considered in a joint loan<\/span><\/p>\n<p><span data-contrast=\"auto\">4.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:259}\"> Joint auto loans are taken by married couples, business partners, and parents with adult children<\/span><\/p>\n<p><span data-contrast=\"auto\">5.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:259}\"> Both the co-borrowers will jointly own the car at the end of the loan term<\/span><\/td>\n<td style=\"width: 365.086%;\" data-celllook=\"0\"><span data-contrast=\"auto\">1.\u00a0 Primary borrower is mostly responsible for monthly payments, with the co-borrower only stepping in if he defaults<\/span><\/p>\n<p><span data-contrast=\"auto\">2.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:259}\"> Only the primary borrower can use the loan to buy a car<\/span><\/p>\n<p><span data-contrast=\"auto\">3.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:259}\"> The co-signer&#8217;s credit score will be given more importance<\/span><\/p>\n<p><span data-contrast=\"auto\">4.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:259}\"> Usually, parents or close friends can co-sign for an individual to help them score lower rates<\/span><\/p>\n<p><span data-contrast=\"auto\">5. Only the co-signer will own the car at the end of the loan term<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_joint_auto_loan\"><\/span><span data-contrast=\"none\">What is a joint auto loan?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-41373 size-large aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign4-1024x683.jpg\" alt=\"\" width=\"640\" height=\"427\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign4-1024x683.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign4-300x200.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign4-768x512.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign4-1536x1024.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign4-600x400.jpg 600w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign4.jpg 1999w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<ul>\n<li style=\"text-align: justify;\">In a joint auto loan, two people (called co-borrowers) <strong>apply for a loan together and have equal responsibility for paying off the loan<\/strong>.<\/li>\n<li style=\"text-align: justify;\">Once the loan is closed,<strong> both applicants will jointly own the car.<\/strong> Both their names will appear on the title and registration.<\/li>\n<li style=\"text-align: justify;\">The co-borrowers are also called <strong>&#8216;co-applicants&#8217;<\/strong> and are usually trusted by each other to take equal responsibility for payments<\/li>\n<li style=\"text-align: justify;\">Joint auto loans are commonly taken by <strong>married couples, business partners, long-term partners<\/strong>, <strong>parents, and children, etc<\/strong>.<\/li>\n<li style=\"text-align: justify;\">Joint auto loans allow you to <strong>borrow larger amounts<\/strong> because of the reduced risk of default.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Whose_credit_is_used_for_a_joint_auto_loan\"><\/span>Whose credit is used for a joint auto loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">When applying together for a joint auto loan, <strong>the lender will consider the credit scores of both the co-borrowers<\/strong>. You can split the monthly payments among the two of you in any way (50-50, 70-30, 60-40) as long as the full amount is paid on time. However, any default in either co-borrower&#8217;s payments will reflect negatively on both credit scores.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_should_you_consider_a_joint_auto_loan\"><\/span>When should you consider a joint auto loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"text-align: justify;\">You can consider a joint auto loan if you are a married couple, long-term partners, or business partners looking to jointly own a vehicle.<\/li>\n<li style=\"text-align: justify;\">In some cases, a parent and child can also apply as co-borrowers for a joint auto loan.<\/li>\n<li style=\"text-align: justify;\">If you have a poor payment history, onboarding a co-borrower can help you get a larger loan amount.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_co-signed_auto_loan\"><\/span><span data-contrast=\"none\">What is a co-signed auto loan?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41375 size-large\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign2-1024x684.jpg\" alt=\"Joint or co-signed auto loans: What's the difference?\" width=\"640\" height=\"428\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign2-1024x684.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign2-300x200.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign2-768x513.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign2-1536x1025.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign2-600x400.jpg 600w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign2.jpg 2000w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/span><\/p>\n<ul>\n<li>In a co-signed auto loan, the person who needs funds is called the <strong>primary borrower<\/strong>. However, in some cases, they may not be able to get an individual role due to a bad credit score.<\/li>\n<li><strong>In order to make up for a bad credit score<\/strong> and <strong>get lower interest rates,<\/strong> the applicant can<strong> get someone with a good credit score to co-sign on the loan<\/strong>.<\/li>\n<li>The co-signer allows the primary borrower to take a loan by piggybacking on the co-signers good\/excellent credit score.<\/li>\n<li>The co-signer is <strong>not directly responsible for monthly payments<\/strong> but will become responsible if the primary borrower defaults.<\/li>\n<li>At the end of the loan, <strong>only the primary borrower is entitled to ownership of the vehicle<\/strong> &#8211; not the co-signer.<\/li>\n<li>The co-signer is usually a family member or someone trusted by the applicant<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Whose_credit_is_used_for_a_co-signed_auto_loan\"><\/span>Whose credit is used for a co-signed auto loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In a co-signed auto loan, the lender will consider the credit scores of both the primary borrower and the co-signer. However, the co-signer&#8217;s credit score will be given more weightage since it is used to offset the risk to the lender.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_should_you_consider_a_co-signed_auto_loan\"><\/span>When should you consider a co-signed auto loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>You should only ask someone to co-sign on an auto loan if you have a bad credit score and don&#8217;t want to take out a joint loan.<\/li>\n<li>Co-signed auto loans help people with no payment history, bad credit, or a history of bankruptcy\/repossession access to affordable auto loan rates.<\/li>\n<li>The co-signer should always be someone you trust since they will be responsible for the monthly payment if you cannot pay.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Main_differences_between_co-borrower_and_co-signer\"><\/span>Main differences between co-borrower and co-signer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In a joint loan, both the co-borrowers will be equally responsible for the payments and jointly own the vehicle at the end of the loan term.<\/p>\n<p>However, in a co-signed loan, the co-signer will only be responsible for the monthly payments if the primary borrower is late or defaults. At the end of the loan term, only the primary borrower will own the car.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41372 size-large\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign1-1024x682.jpg\" alt=\"Joint or Co-signed auto loans: Which should you choose?\" width=\"640\" height=\"426\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign1-1024x682.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign1-300x200.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign1-768x512.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign1-1536x1024.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign1-600x400.jpg 600w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign1.jpg 2000w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_Joint_and_Co-signed_Auto_Loans_Negatively_Affect_My_Credit\"><\/span><b>Can Joint and Co-signed Auto Loans Negatively Affect My Credit?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, just like a personal loan, failure to properly keep up with monthly payments on a joint or co-signed loan can also negatively affect your credit score.<\/p>\n<ul>\n<li>If any of the co-borrowers in a joint auto loan misses their part of the payment, it will negatively affect both their credit scores<\/li>\n<li>Even if you co-signed on a loan, your credit score could be affected if the primary borrower makes a late payment or defaults<\/li>\n<li>Taking on a joint loan or co-signing on a loan also increases your credit utilization, which in turn can lower your score<\/li>\n<li>Joint or co-signed loans can also reflect a higher debt-to-income ratio and could affect the ability to qualify for future loan<\/li>\n<\/ul>\n<p><strong><a href=\" https:\/\/dev.way.com\/blog\/how-to-get-out-of-a-bad-car-loan\/\" target=\"_blank\" rel=\"noopener\">Also read: How to get out of a bad car loan<\/a><\/strong><\/p>\n<h2><em>Frequently Asked Questions (FAQ)<\/em><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"When_should_you_choose_a_joint_auto_loan\"><\/span>When should you choose a joint auto loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It&#8217;s best to choose a joint auto loan when you want to share the responsibility of paying monthly payments. In the end, both co-borrowers will share ownership of the vehicle.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_it_better_to_have_both_spouses_on_a_car_loan\"><\/span>Is it better to have both spouses on a car loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you are a married couple and want to buy a car, it is better to take a joint loan with both of you as co-borrowers. That way, both spouses can pay the loan in monthly installments and take joint ownership of the car at the end of the loan term.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Whose_credit_score_is_used_when_co-signing\"><\/span><span data-contrast=\"none\">Whose credit score is used when co-signing?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In a co-signed loan, the co-signer&#8217;s credit score has more weightage than the primary borrower. This is because the primary borrower will usually have poor credit and will depend on the co-signer&#8217;s excellent credit to get lower rates.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_a_co-applicant_the_same_as_a_co-signer\"><\/span><span data-contrast=\"none\">Is a co-applicant the same as a co-signer?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A co-applicant for an auto loan is someone who shares responsibility for paying it back. It is not the same as a co-signer, who does not need a loan but helps another borrower get a loan using his excellent credit score.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_I_remove_myself_or_the_other_person_from_a_joint_auto_loan\"><\/span><span data-contrast=\"none\">Can I remove myself or the other person from a joint auto loan? <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, you can remove yourself or anyone else from a joint auto loan by<a href=\" https:\/\/dev.way.com\/blog\/how-to-refinance-your-car-loan\/\" target=\"_blank\" rel=\"noopener\"> refinancing the loan<\/a>. This allows you to pay off the existing loan and sign on with a new lender, while also getting lower rates in the process.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_it_better_to_be_a_co-signer_or_co-borrower_on_an_auto_loan\"><\/span>Is it better to be a co-signer or co-borrower on an auto loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It is better to be a co-borrower if you want to jointly own the car at the end of the loan term. You can be a co-signer if you&#8217;re helping someone (like a close friend, child, parent, or spouse) get lower interest rates with your credit score.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_I_have_more_than_one_joint_loan\"><\/span><span data-contrast=\"none\">Can I have more than one joint loan? <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, you can have more than one joint loan as long as your credit score, payment history, and other finances are solid.<\/p>\n<p><a href=\"https:\/\/www.way.com\/auto-refinance\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/02\/REFINANCE-BANNER.png\" alt=\"Joint or co-signed auto loans\" width=\"744\" height=\"276\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p style=\"text-align: center;\"><em>Here\u2019s more info on\u00a0<\/em><a title=\"https:\/\/www.way.com\/airport-parking\" href=\"https:\/\/www.way.com\/airport-parking\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link top-rated airport parking\"><em>top-rated airport parking<\/em><\/a><em>,\u00a0<\/em><a title=\"https:\/\/www.way.com\/cities\" href=\"https:\/\/www.way.com\/cities\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link the best parking spots in your city\"><em>the best parking spots in your city<\/em><\/a><em>, the most affordable\u00a0<u><a title=\"https:\/\/www.way.com\/auto-insurance\" href=\"https:\/\/www.way.com\/auto-insurance\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link auto insurance\u00a0\">auto insurance\u00a0<\/a><\/u>for your car, and\u00a0<\/em><a title=\"https:\/\/www.way.com\/car-wash-near-me\" href=\"https:\/\/www.way.com\/car-wash-near-me\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link top-rated car washes near you\"><em>top-rated car washes near you<\/em><\/a><em>.<\/em><\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You&#8217;ll hear these terms bandied about quite often &#8211; but do you really know what they mean? Let&#8217;s help you understand the difference between a joint auto loan and a co-signed auto loan &#8211; including which to pick and when! Most people shopping for auto loans seem to think that co-borrowing and co-signing on an&hellip; <a class=\"more-link\" href=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/\">Continue reading <span class=\"screen-reader-text\">Joint Auto Loans vs Co-signed Auto Loans: Which to Choose When?<\/span><\/a><\/p>\n","protected":false},"author":46,"featured_media":41374,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1962,1855],"tags":[5853,5855,5856,5857,5858,5859,5860,5861,5862],"class_list":["post-41371","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-refinance","category-finance","tag-joint-car-loan","tag-joint-auto-loan","tag-individual-credit-vs-joint-credit","tag-whose-credit-score-is-used-on-a-joint-auto-loan","tag-co-applicant-for-a-car-loan","tag-joint-car-loan-credit-score","tag-does-having-a-cosigner-lower-car-payments","tag-car-joint-loan","tag-joint-vs-co-signed-auto-loans","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.3 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Joint Auto Loans vs. Co-signed Auto Loans: Which to Choose and When<\/title>\n<meta name=\"description\" content=\"You&#039;ll hear these terms bandied about quite often - but do you really know what they mean? Here&#039;s the difference between a joint auto loan and a co-signed auto loan.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Joint Auto Loans vs Co-signed Auto Loans: Which to Choose When?\" \/>\n<meta property=\"og:description\" content=\"You&#039;ll hear these terms bandied about quite often - but do you really know what they mean? Here&#039;s the difference between a joint auto loan and a co-signed auto loan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"Way Blog\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-07T10:42:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign3.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1335\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mahesh SL\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mahesh SL\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/joint-auto-loan-vs-co-signed-auto-loans\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/joint-auto-loan-vs-co-signed-auto-loans\\\/\"},\"author\":{\"name\":\"Mahesh SL\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#\\\/schema\\\/person\\\/c916386c61281bccf925ffea1c3d35d9\"},\"headline\":\"Joint Auto Loans vs Co-signed Auto Loans: Which to Choose When?\",\"datePublished\":\"2022-06-07T10:42:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/joint-auto-loan-vs-co-signed-auto-loans\\\/\"},\"wordCount\":1390,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/joint-auto-loan-vs-co-signed-auto-loans\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/joint-vs-co-sign3.jpg\",\"keywords\":[\"joint car loan\",\"joint auto loan\",\"individual credit vs joint credit\",\"whose credit score is used on a joint auto loan\",\"co-applicant for a car loan\",\"joint car loan credit score\",\"does having a cosigner lower car payments\",\"car joint loan\",\"joint vs. co-signed auto loans\"],\"articleSection\":[\"Auto Refinance\",\"Finance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/dev.way.com\\\/journal\\\/joint-auto-loan-vs-co-signed-auto-loans\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/joint-auto-loan-vs-co-signed-auto-loans\\\/\",\"url\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/joint-auto-loan-vs-co-signed-auto-loans\\\/\",\"name\":\"Joint Auto Loans vs. Co-signed Auto Loans: Which to Choose and When\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/joint-auto-loan-vs-co-signed-auto-loans\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/joint-auto-loan-vs-co-signed-auto-loans\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/joint-vs-co-sign3.jpg\",\"datePublished\":\"2022-06-07T10:42:00+00:00\",\"description\":\"You'll hear these terms bandied about quite often - but do you really know what they mean? Here's the difference between a joint auto loan and a co-signed auto loan.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/joint-auto-loan-vs-co-signed-auto-loans\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/dev.way.com\\\/journal\\\/joint-auto-loan-vs-co-signed-auto-loans\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/joint-auto-loan-vs-co-signed-auto-loans\\\/#primaryimage\",\"url\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/joint-vs-co-sign3.jpg\",\"contentUrl\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/joint-vs-co-sign3.jpg\",\"width\":2000,\"height\":1335},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/joint-auto-loan-vs-co-signed-auto-loans\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Finance\",\"item\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/finance\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Joint Auto Loans vs Co-signed Auto Loans: Which to Choose When?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#website\",\"url\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/\",\"name\":\"Way Blog\",\"description\":\"Cars \ud83d\ude97 Simplified\",\"publisher\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#organization\",\"name\":\"Way.com\",\"url\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/cropped-wayCom_RedLogo-1.png\",\"contentUrl\":\"https:\\\/\\\/wordwblog02.way.com\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/cropped-wayCom_RedLogo-1.png\",\"width\":700,\"height\":127,\"caption\":\"Way.com\"},\"image\":{\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/#\\\/schema\\\/person\\\/c916386c61281bccf925ffea1c3d35d9\",\"name\":\"Mahesh SL\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0ecb7f75edfde94269f5650c8555683909b8fabf450d7fe168896cc85d0edc5d?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0ecb7f75edfde94269f5650c8555683909b8fabf450d7fe168896cc85d0edc5d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0ecb7f75edfde94269f5650c8555683909b8fabf450d7fe168896cc85d0edc5d?s=96&d=mm&r=g\",\"caption\":\"Mahesh SL\"},\"jobTitle\":\"Senior Software Engineer\",\"url\":\"https:\\\/\\\/dev.way.com\\\/journal\\\/author\\\/mahesh\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Joint Auto Loans vs. Co-signed Auto Loans: Which to Choose and When","description":"You'll hear these terms bandied about quite often - but do you really know what they mean? Here's the difference between a joint auto loan and a co-signed auto loan.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Joint Auto Loans vs Co-signed Auto Loans: Which to Choose When?","og_description":"You'll hear these terms bandied about quite often - but do you really know what they mean? Here's the difference between a joint auto loan and a co-signed auto loan.","og_url":"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/","og_site_name":"Way Blog","article_published_time":"2022-06-07T10:42:00+00:00","og_image":[{"width":2000,"height":1335,"url":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign3.jpg","type":"image\/jpeg"}],"author":"Mahesh SL","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Mahesh SL","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#article","isPartOf":{"@id":"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/"},"author":{"name":"Mahesh SL","@id":"https:\/\/dev.way.com\/journal\/#\/schema\/person\/c916386c61281bccf925ffea1c3d35d9"},"headline":"Joint Auto Loans vs Co-signed Auto Loans: Which to Choose When?","datePublished":"2022-06-07T10:42:00+00:00","mainEntityOfPage":{"@id":"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/"},"wordCount":1390,"commentCount":0,"publisher":{"@id":"https:\/\/dev.way.com\/journal\/#organization"},"image":{"@id":"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#primaryimage"},"thumbnailUrl":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign3.jpg","keywords":["joint car loan","joint auto loan","individual credit vs joint credit","whose credit score is used on a joint auto loan","co-applicant for a car loan","joint car loan credit score","does having a cosigner lower car payments","car joint loan","joint vs. co-signed auto loans"],"articleSection":["Auto Refinance","Finance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/","url":"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/","name":"Joint Auto Loans vs. Co-signed Auto Loans: Which to Choose and When","isPartOf":{"@id":"https:\/\/dev.way.com\/journal\/#website"},"primaryImageOfPage":{"@id":"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#primaryimage"},"image":{"@id":"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#primaryimage"},"thumbnailUrl":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign3.jpg","datePublished":"2022-06-07T10:42:00+00:00","description":"You'll hear these terms bandied about quite often - but do you really know what they mean? Here's the difference between a joint auto loan and a co-signed auto loan.","breadcrumb":{"@id":"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#primaryimage","url":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign3.jpg","contentUrl":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/joint-vs-co-sign3.jpg","width":2000,"height":1335},{"@type":"BreadcrumbList","@id":"https:\/\/dev.way.com\/journal\/joint-auto-loan-vs-co-signed-auto-loans\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/dev.way.com\/journal\/"},{"@type":"ListItem","position":2,"name":"Finance","item":"https:\/\/dev.way.com\/journal\/finance\/"},{"@type":"ListItem","position":3,"name":"Joint Auto Loans vs Co-signed Auto Loans: Which to Choose When?"}]},{"@type":"WebSite","@id":"https:\/\/dev.way.com\/journal\/#website","url":"https:\/\/dev.way.com\/journal\/","name":"Way Blog","description":"Cars \ud83d\ude97 Simplified","publisher":{"@id":"https:\/\/dev.way.com\/journal\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/dev.way.com\/journal\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/dev.way.com\/journal\/#organization","name":"Way.com","url":"https:\/\/dev.way.com\/journal\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/dev.way.com\/journal\/#\/schema\/logo\/image\/","url":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2020\/10\/cropped-wayCom_RedLogo-1.png","contentUrl":"https:\/\/wordwblog02.way.com\/wp-content\/uploads\/2020\/10\/cropped-wayCom_RedLogo-1.png","width":700,"height":127,"caption":"Way.com"},"image":{"@id":"https:\/\/dev.way.com\/journal\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/dev.way.com\/journal\/#\/schema\/person\/c916386c61281bccf925ffea1c3d35d9","name":"Mahesh SL","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/0ecb7f75edfde94269f5650c8555683909b8fabf450d7fe168896cc85d0edc5d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0ecb7f75edfde94269f5650c8555683909b8fabf450d7fe168896cc85d0edc5d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0ecb7f75edfde94269f5650c8555683909b8fabf450d7fe168896cc85d0edc5d?s=96&d=mm&r=g","caption":"Mahesh SL"},"jobTitle":"Senior Software Engineer","url":"https:\/\/dev.way.com\/journal\/author\/mahesh\/"}]}},"_links":{"self":[{"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/posts\/41371","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/users\/46"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/comments?post=41371"}],"version-history":[{"count":0,"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/posts\/41371\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/media\/41374"}],"wp:attachment":[{"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/media?parent=41371"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/categories?post=41371"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev.way.com\/journal\/wp-json\/wp\/v2\/tags?post=41371"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}