Can I refinance with a co-signer? September 24, 2021 19:47 Updated Yes, MotoRefi allows a co-borrower and you can add a co-borrower on the application with the lender directly. Related articles How does Gabi work? Will adding a co-signer help lower my Student Loan Refinance rate? Once I submit my application, how long does it take to hear about approval? Is a co-signer required on all SoFi Private Student Loans? Does checking my Auto Loan Refinance rate hurt my credit score?