I have learned a few important things by means of your post. I will also like to say that there can be situation where you will apply for a loan and don't need a co-signer such as a Federal government Student Support Loan. When you are getting a borrowing arrangement through a classic finance company then you need to be prepared to have a co-signer ready to assist you. The lenders are going to base that decision on the few aspects but the greatest will be your credit score. There are some lenders that will in addition look at your work history and make up your mind based on that but in most cases it will depend on your scores.