<prompt> Human: My wifes care broke down and it no longer makes sense to repair. We are looking to buy a used car and can afford it in our budget as our only current debt is our mortgage. My wifes credit scores are in the low 600s and upper 500s and we are actively working to clean it up. My credit scores are in the low 700s. Whats the best way to structure the loan so that it helps her credit and gets us a decent interest rate?  <response>: You can get the loan in your name with her as a co-signer. This will put the loan on her credit report as well as yours. If your credit is good, you should be getting a good rate as well. EDIT: Or uRussellWD mentioned the joint loan would work too. 