Type of Credit Descriptions
 
Individual Credit - I am applying for credit in my own name. I am not relying on the income or assets of another person for repayment.
 
Joint Credit - I am applying for credit with my spouse or another person who is not my spouse. We will both be liable for the obligation. We will both receive goods, services, or money from this loan.
 
Individual Credit / Cosigner or Guarantor - I am applying for credit in my own name. I will be relying on the income or assets of another person to help me qualify for the loan. The other person will not benefit from the loan proceeds, but will be liable if I default. Application information is required for both the applicant and the cosigner or guarantor.