I have learned a few important things through your post. I would also like to mention that there will be a situation where you will get a loan and never need a cosigner such as a Fed Student Support Loan. But when you are getting a borrowing arrangement through a standard bank then you need to be ready to have a cosigner ready to assist you. The lenders can base that decision over a few elements but the most significant will be your credit score. There are some creditors that will likewise look at your work history and choose based on that but in most cases it will depend on your report.