Individuals with bad credit need a vehicle just like anyone else. Sometimes the lenders will ask for a co signers. If this is the case then the process is very simple. Bad credit car loans can be co signer friendly. The main applicant provides his or hers information as well with the co signers. Each person on the loan is responsible for payment on the loan. The nice thing about this is because both are responsible for paying- both get the GOOD payments reported increasing the main applicants credit score and the co singers. So remember just because you are a co signer does not mean you’re only helping out the main applicant but you are also helping your credit!