Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - What happens with a cosigner on an auto loan? - I just filed bankruptcy/ in the process, and I found a car in my price range monthly payment wise but they need 15% down which is like $3,300 which I don't have or I wouldn't be filing bankruptcy, anyway I might be able to get a cosigner who has amazing credit. If she does that will I get her credit rating on the loan or will I still have to come up with 15% down I don't know how the cosigner works. Thanks For your help -