I have learned many important things by means of your post. I'd personally also like to say that there is a situation in which you will get a loan and never need a co-signer such as a Government Student Aid Loan. In case you are getting financing through a common finance company then you need to be prepared to have a co-signer ready to make it easier for you. The lenders may base any decision on a few elements but the most significant will be your credit history. There are some loan merchants that will additionally look at your work history and choose based on this but in many cases it will depend on your report.