<prompt> Human: Hey PF,My Wife started a new business this year and with a baby on the way I am looking at getting her a vehicle. We dont have enough cash to buy a good reliable car outright, so I was looking into getting her an affordable auto loan at a low interest rate 1-2. We both have 730 credit scores. I currently have an auto loan at 1.24 and the credit union I bank with says that since she just started the business and cant verify past 2 years of income from the business, then I would have to cosign for her to secure a loan. Do you think this is a good financial decision? We are looking for a payment 300mo and combined we make about 120k. Thanks for your help.  <response>: I would say that spouse is the ONLY one you should be cosigning for. Your finances are already mixed and therefore I personally consider my wifes credit scorefinancial details my own.Apart from spouse I dont agree with cosigning for anyone else. We have way too many people coming on here talking about how their sibling is falling behind on payments and now their score is starting to take hits. 