How to Get a Husband Off a Loan Without Refinancing

If you don't want to refinance your loan, but you want to remove your husband as a co-signer, ask your lender to modify your loan contract to do so. Your lender doesn't have to agree to do this. Your original loan terms, including interest rate and depreciation based on loan terms, were made in consideration of both your credit and that of your husband. Also, if your lender agrees to remove your husband from the loan, your rate or term might change, resulting in a higher monthly payment.

Instructions

1

Contact your loan provider and discuss your account with a representative. State that you want to remove your husband from your auto loan and ask about your options. Your lender might ask for proof of hardship or divorce or ask for a credit application to determine your options for loan modification.

2

Provide the lender representative with your credit and income information. Mail, fax or drop off any proof of income, hardship, separation or divorce if your lender requests it.

3

If your lender approves your loan modification, arrange to sign your new loan agreement in person or by mail. Discuss any loan changes, such as term, interest rate and monthly payment, before signing it.