{"id":11965,"date":"2026-08-06T11:35:12","date_gmt":"2026-08-06T06:05:12","guid":{"rendered":"https:\/\/www.fatakpay.com\/blog\/?p=11965"},"modified":"2026-08-06T12:26:14","modified_gmt":"2026-08-06T06:56:14","slug":"co-signer-vs-guarantor","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/","title":{"rendered":"Co-Signer vs Guarantor:\u00a0What&#8217;s\u00a0the Difference?\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">When a lender asks for extra security on a loan application, the terms used can get confusing fast. This guide clears up&nbsp;the&nbsp;co-signer vs guarantor&nbsp;question&nbsp;so you know exactly what you are signing up for before you agree to back someone else&#8217;s loan.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although both roles involve supporting another borrower&#8217;s loan application, their legal responsibilities, repayment obligations, and impact on your credit profile can differ significantly. Understanding these differences will help you make an informed decision and avoid unexpected financial or legal consequences in the future.&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of 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: #999;color:#999\" 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: #999;color:#999\" 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:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/#Who_Is_a_Co-Signer\" >Who Is a Co-Signer?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/#Who_Is_a_Guarantor\" >Who Is a Guarantor?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/#Co-Signer_vs_Guarantor_Key_Differences\" >Co-Signer vs Guarantor: Key Differences&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/#Which_One_Do_Lenders_Ask_For_in_India\" >Which One Do Lenders Ask&nbsp;For&nbsp;in India?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/#The_Bottom_Line\" >The Bottom Line&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/#FAQs_on_Co-Signer_vs_Guarantor\" >FAQs on&nbsp;Co-Signer vs Guarantor&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/#What_is_the_difference_between_a_co-signer_and_a_guarantor\" >What is the&nbsp;difference between a co-signer and a guarantor?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/#Is_a_guarantor_liable_from_day_one\" >Is a guarantor liable from day one?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/#Does_India_use_co-signers_or_guarantors\" >Does India use co-signers or guarantors?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/#How_is_a_guarantor_different_from_a_co-applicant\" >How is a guarantor different from a co-applicant?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/#Does_being_a_guarantor_affect_my_credit_score\" >Does being a guarantor affect my credit score?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/#Can_a_guarantors_liability_be_limited\" >Can a guarantor&#8217;s liability be limited?&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_Is_a_Co-Signer\"><\/span>Who Is a Co-Signer?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A co-signer is a person who becomes liable for a debt from the very first day, alongside the primary borrower, regardless of whether the borrower has missed a payment or not. Unlike a guarantor, whose liability&nbsp;generally begins&nbsp;only after the borrower defaults, a co-signer&#8217;s liability starts&nbsp;immediately. This is a key&nbsp;difference between a guarantor and a co-signer. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because lenders in markets that use this structure treat the co-signer&nbsp;almost as&nbsp;a joint borrower, any missed payment shows up on the co-signer&#8217;s credit report too, even if they never touched the borrowed funds themselves.&nbsp;Understanding the distinction between a co-signer and a guarantor is important when assessing&nbsp;financial responsibility.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_Is_a_Guarantor\"><\/span>Who Is a Guarantor?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A guarantor is a third party who only becomes liable if the primary borrower defaults on the loan. Until that default happens, the guarantor has no repayment obligation at all, though their name and commitment remain attached to the loan agreement throughout its tenure. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This distinction, liability&nbsp;from day one versus liability only on default, is really what separates a co-signer and a guarantor. Guarantors are especially common when a younger applicant with limited credit history applies for funding, which is why the question of&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/can-a-student-get-a-personal-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>whether a student can get a personal loan<\/strong><\/a>&nbsp;usually comes back to finding a suitable guarantor.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Co-Signer_vs_Guarantor_Key_Differences\"><\/span>Co-Signer vs Guarantor: Key Differences&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While both a&nbsp;co-signer and guarantor&nbsp;help strengthen a borrower&#8217;s loan application, their responsibilities and financial obligations are not the same. The table below highlights the key differences to help you understand which role carries greater risk and when each is typically used.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Basis<\/strong>&nbsp;<\/td><td><strong>Co-Signer<\/strong>&nbsp;<\/td><td><strong>Guarantor<\/strong>&nbsp;<\/td><\/tr><tr><td>Liability Starts&nbsp;<\/td><td>From day one of the loan&nbsp;<\/td><td>Only if the borrower defaults&nbsp;<\/td><\/tr><tr><td>Credit Report Impact&nbsp;<\/td><td>Reflects every payment, on time or missed&nbsp;<\/td><td>Usually unaffected unless default occurs&nbsp;<\/td><\/tr><tr><td>Common Usage&nbsp;<\/td><td>More common in Western lending markets&nbsp;<\/td><td>Standard structure used across India&nbsp;<\/td><\/tr><tr><td>Recovery Priority&nbsp;<\/td><td>Lender can pursue either party directly&nbsp;<\/td><td>Lender typically pursues borrower first&nbsp;<\/td><\/tr><tr><td>Role in Approval&nbsp;<\/td><td>Strengthens the primary application&nbsp;<\/td><td>Adds a safety net for the lender&nbsp;<\/td><\/tr><tr><td>Ownership Rights&nbsp;<\/td><td>Sometimes claims partial ownership of the asset&nbsp;<\/td><td>No ownership stake in the loan or asset&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_One_Do_Lenders_Ask_For_in_India\"><\/span>Which One Do Lenders Ask&nbsp;For&nbsp;in India?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">India commonly uses&nbsp;personal loan&nbsp;structures involving guarantors or co-applicants rather than co-signers, since &#8220;co-signer&#8221; is&nbsp;largely a&nbsp;Western banking term that does not map neatly onto Indian lending practice. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Indian lenders are more likely to ask for a guarantor when the primary applicant&#8217;s income or credit history alone does not meet their internal criteria, or occasionally ask for a co-applicant, who shares both the liability and, in many cases, ownership of the asset being financed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Bottom_Line\"><\/span>The Bottom Line&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you are asked to be a&nbsp;co-signer or guarantor, you are taking on real financial risk for someone else&#8217;s borrowing decision. Understanding the difference between a co-signer and a guarantor is essential before agreeing to either role.&nbsp;Read the loan agreement carefully so you know exactly when your liability begins, since the specific terms of the agreement&nbsp;determine&nbsp;how and when a co-signer or guarantor becomes responsible.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Only agree if you genuinely trust the primary borrower&#8217;s ability and intent to repay on time. It also helps to ask the lender directly how a default would be handled, whether recovery action would come to you first or to the borrower, and whether your exposure is capped in any way before you put your signature on the paperwork.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The core difference comes down to timing: a co-signer shares liability&nbsp;immediately, while a guarantor&#8217;s obligation only activates on default, and India&nbsp;predominantly relies&nbsp;on the guarantor and co-applicant model. If you would rather avoid roping in a guarantor altogether,&nbsp;FatakPay&nbsp;lets you&nbsp;check your eligibility for a&nbsp;<a href=\"https:\/\/www.fatakpay.com\/personal-loan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>personal loan<\/strong><\/a>&nbsp;of up to \u20b9\u200b5,0\u200b\u200b<s>2<\/s>\u200b0,000 on your own profile, with quick digital approval and no need to involve a third party.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_on_Co-Signer_vs_Guarantor\"><\/span>FAQs on&nbsp;Co-Signer vs Guarantor&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_a_co-signer_and_a_guarantor\"><\/span>What is the&nbsp;difference between a co-signer and a guarantor?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A co-signer is liable from the moment the loan is disbursed, while a guarantor only becomes liable if the borrower&nbsp;fails to&nbsp;repay.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_a_guarantor_liable_from_day_one\"><\/span>Is a guarantor liable from day one?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No, a guarantor&#8217;s obligation is triggered only when the primary borrower defaults, not before.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_India_use_co-signers_or_guarantors\"><\/span>Does India use co-signers or guarantors?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">India&nbsp;predominantly uses&nbsp;guarantors and co-applicants rather than co-signers, which is a term more commonly associated with lending systems abroad.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_is_a_guarantor_different_from_a_co-applicant\"><\/span>How is a guarantor different from a co-applicant?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A guarantor has no ownership stake and steps in only on default,&nbsp;whereas&nbsp;a co-applicant shares both the loan liability and often the ownership of the financed asset from the start,&nbsp;similar to&nbsp;how&nbsp;personal loan<em>s<\/em>&nbsp;sometimes allow joint applications.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_being_a_guarantor_affect_my_credit_score\"><\/span>Does being a guarantor affect my credit score?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It can, but only if the primary borrower defaults and you are called upon to repay. Understanding&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-personal-loans-affect-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>how personal loans affect your credit score<\/strong><\/a>&nbsp;is useful before agreeing to guarantee someone else&#8217;s loan.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_a_guarantors_liability_be_limited\"><\/span>Can a guarantor&#8217;s liability be limited?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In some cases, yes. Certain loan agreements allow a limited guarantee capping the amount or duration of the guarantor&#8217;s exposure, though this depends entirely on how the lender structures the agreement.&nbsp;<\/p>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\/\", \n\n  \"@type\": \"BreadcrumbList\", \n\n  \"itemListElement\": [ \n\n    { \n\n      \"@type\": \"ListItem\", \n\n      \"position\": 1, \n\n      \"name\": \"Home\", \n\n      \"item\": \"https:\/\/www.fatakpay.com\" \n\n    }, \n\n    { \n\n      \"@type\": \"ListItem\", \n\n      \"position\": 2, \n\n      \"name\": \"Blog\", \n\n      \"item\": \"https:\/\/www.fatakpay.com\/blog\/\" \n\n    }, \n\n    { \n\n      \"@type\": \"ListItem\", \n\n      \"position\": 3, \n\n      \"name\": \"Personal Loan\", \n\n      \"item\": \"https:\/\/www.fatakpay.com\/blog\/personal-loan\/\" \n\n    }, \n\n    { \n\n      \"@type\": \"ListItem\", \n\n      \"position\": 4, \n\n      \"name\": \"Co-Signer vs Guarantor: What's the Difference?\", \n\n      \"item\": \"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/\" \n\n    } \n\n  ] \n\n} \n\n<\/script>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BlogPosting\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.fatakpay.com\/blog\/personal-loan\/co-signer-vs-guarantor\/\"\n  },\n  \"headline\": \"Co-Signer vs Guarantor: Key Differences Explained\",\n  \"description\": \"Understand the difference between a co-signer and a guarantor, including liability, credit impact, legal responsibilities, and which role is common in India.\",\n  \"image\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\",  \n  \"author\": {\n    \"@type\": \"Organization\",\n    \"name\": \"FatakPay\",\n    \"url\": \"https:\/\/www.fatakpay.com\"\n  },  \n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"FatakPay\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\"\n    }\n  },\n  \"datePublished\": \"2026-08-06\",\n  \"dateModified\": \"2026-08-06\"\n}\n<\/script>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"FAQPage\", \n\n  \"mainEntity\": [ \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"What is the difference between a co-signer and a guarantor?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"A co-signer is liable from the moment the loan is disbursed, while a guarantor only becomes liable if the borrower fails to repay.\" \n\n      } \n\n    }, \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"Is a guarantor liable from day one?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"No, a guarantor's obligation is triggered only when the primary borrower defaults, not before.\" \n\n      } \n\n    }, \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"Does India use co-signers or guarantors?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"India predominantly uses guarantors and co-applicants rather than co-signers, which is a term more commonly associated with lending systems abroad.\" \n\n      } \n\n    }, \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"How is a guarantor different from a co-applicant?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"A guarantor has no ownership stake and steps in only on default, whereas a co-applicant shares both the loan liability and often the ownership of the financed asset from the start, similar to how personal loans sometimes allow joint applications.\" \n\n      } \n\n    }, \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"Does being a guarantor affect my credit score?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"It can, but only if the primary borrower defaults and you are called upon to repay. Understanding how personal loans affect your credit score is useful before agreeing to guarantee someone else's loan.\" \n\n      } \n\n    }, \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"Can a guarantor's liability be limited?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"In some cases, yes. Certain loan agreements allow a limited guarantee capping the amount or duration of the guarantor's exposure, though this depends entirely on how the lender structures the agreement.\" \n\n      } \n\n    } \n\n  ] \n\n} \n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>When a lender asks for extra security on a loan application, the terms used can get confusing fast. This guide clears up&nbsp;the&nbsp;co-signer vs guarantor&nbsp;question&nbsp;so you know exactly what you are signing up for before you agree to back someone else&#8217;s loan.&nbsp; Although both roles involve supporting another borrower&#8217;s loan application, their legal responsibilities, repayment obligations,<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[180],"tags":[],"class_list":["post-11965","post","type-post","status-publish","format-standard","category-personal-loan"],"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/11965","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=11965"}],"version-history":[{"count":2,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/11965\/revisions"}],"predecessor-version":[{"id":11969,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/11965\/revisions\/11969"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=11965"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=11965"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=11965"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}