Does it make any difference who is the primary applicant and who is the secondary applicant? February 24, 2020 21:58 Updated No, it does not make any difference in what loan amount or interest rate SoFi can offer you. Related articles If my loan application is denied, can I apply again with a co-borrower? How do I add a co-borrower to my loan? Why was I denied with a co-borrower? Do you accept co-borrowers for Personal Loans? Can I change/remove my co-borrower from my Personal Loan application?