I have learned a few important things as a result of your post. I'd also like to state that there might be situation where you will apply for a loan and never need a co-signer such as a Federal government Student Support Loan. However, if you are getting financing through a conventional financier then you need to be made ready to have a cosigner ready to help you. The lenders may base their own decision on the few elements but the most significant will be your credit rating. There are some loan providers that will in addition look at your job history and decide based on this but in many cases it will hinge on your credit score.