Co-signers are very common for wedding loans. If the amount you want to borrow is over $1000 and you have poor credit, you will likely need a co-signer in order to be approved for the loan.
If neither you nor your future spouse has a solid credit history or if you both already have a good deal of debt in your name – such as student loans or auto loans – you may not be able to qualify on your own. You may be able to get a marriage loan with a co-signer, which allows someone who qualifies for the loan on their own to co-sign in the event you default. Usually a parent with good credit will volunteer as a co-signer, but it could be any close relative.
If you default on your loan payments, the co-signer will be responsible for paying back your loan. Take care whenever you enter a loan agreement with a co-signer. If you are not able to make the payments, it could cause considerable tension within the family.