Luna Sydnee2 months agoI (26F) have been with my fiancé (30M) for a while, and we’re in a good relationship overall, but recently, a situation has come up that has me questioning things. My fiancé was in a car accident and thankfully wasn’t hurt, but his car was totaled. The mechanic said it’s beyond repair, and now he needs a new car for work. So, he started looking into car loans, but because of his bad credit, he can't get a good loan on his own. During dinner, he brought up the idea of me cosigning the loan with him, since my credit score is much higher. It completely caught me off guard, and I was unsure about how to respond. I told him I needed a few days to think about it. Afterward, I called my dad for advice, and he strongly recommended that I not cosign the loan. He explained that if my fiancé misses any payments, I’d be responsible for the loan, and it could severely damage my credit. I want to be supportive of my fiancé, but my dad’s advice makes sense, and I’m hesitant to take on that risk. The idea of potentially ruining my credit or being stuck with debt if my fiancé doesn’t keep up with payments is concerning. I still care deeply for him, but this situation has left me feeling conflicted. Now, I’ve been thinking about what to do next, and it’s been hard to know how to proceed. When we talk again, I need to express my concerns, but I also don’t want to make him feel like I’m rejecting him or his needs. What should I say when we have this conversation? How do I approach this delicate issue without it escalating? TL;DR: My fiancé bought a car without discussing it with me, and now I’m being asked to cosign a loan for it. I’m unsure whether to go through with it because I’m worried about the financial risks. How do I handle this situation when we talk again?271
Luna SydneeLuna Sydnee