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Can my wife finances a car, but I get the registration and insurance? because i have very bad credit score, and i don't want to co-sign the loan. but she doesn't have a driver license, since we live in minnesota city. So, can she finance it only on her name, and registration on my name, and insurance will be joint, since i'm married.? Thanks.
You don't need a license to buy a car, only that you need a license to drive it legally. The lender "may" be open to this, like poster OBI stated, (only) if you let them know, she is on the loan agreement, and YOU are the only driver. The lender only cares that (whoever) signs the contract will pay for the car, has good credit, and if not, since you have bad credit, then might request that someone else who has good credit be a co signor to buy this car. With any financed car, the lender must be on the insurance as the lien-holder. Then you are then added as the main driver since you are the only licensed driver. But the key is, you let the dealer/finance company know you are the driver and your wife is the responsible party to pay for this vehicle. But, IF, you and wife were to get divorced, then legally she is the legal owner of this vehicle and not you.
You might find a lender who will draw up a contract for your wife on a vehicle that's in your name, it's not impossible. It will be difficult, but not impossible. But it won't be cheap or easy, I promise you that. Lenders are kind of like insurance companies; they put a lot of money up when they sign a contract, and they don't like it when people try to play little technicalities against them. And they're smarter than you are, so don't try to fool them. If you're going to have your wife sign a finance contract, don't try to hide the fact that the vehicle will be registered in your name. If you commit non-disclosure or misrepresentation on a finance agreement, it's no different than doing it with an insurance company. It will void the contract, meaning they'll want all their money (plus interest) back right now.
No. If it's financed in her name only, she is the owner of the vehicle. She can't be insured in it without a drivers license.
You must be a licensed driver to qualify for a loan on a vehicle. You cannot do one and she the other.