Meaning & use
co-signing
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“co-signing” is a form of “co-sign”. See that entry for the full set of meanings.
Meanings
verbtransitive or intransitive
Signing a document, especially a loan or lease, together with another person, agreeing to be responsible if they do not pay.
Grammar: Can be used with an object (co-sign a loan) or without (He co-signed for her). The -ing form is 'co-signing'.
Patterns
- co-sign a loan
- co-sign for someone
By co-signing the lease, he became responsible for the rent if she didn't pay.
She is co-signing a loan for her son's first car.
Co-signing a loan can affect your own credit score.
noununcountable
The act of signing a document jointly with another person, especially to guarantee a loan.
Grammar: Uncountable; refers to the action or process.
Patterns
- the co-signing of something
The bank requires the co-signing of the agreement by both parties.
Co-signing is a serious commitment.
Word forms
| base form | co-sign |
|---|---|
| third person singular | co-signs |
| past tense | co-signed |
| past participle | co-signed |
| present participle | co-signing |
Common combinations
- co-sign a loan
- Her father agreed to co-sign the loan.
- co-sign for someone
- He co-signed for his friend's apartment.
- co-signing a lease
- Co-signing a lease means you are legally responsible for the rent.
Synonyms and how they differ
- guarantee
- Guarantee is broader and can mean promising to pay a debt without necessarily signing the document yourself.
Word family
- co-sign verb
- To sign a document jointly with someone else.
- co-signer noun
- A person who signs a loan or lease with another and shares responsibility.
Commonly confused: co-signing or cosign?
co-signing vs cosign
In mathematics, 'cosign' is not a word; 'cosine' is a trigonometric function. The financial term is spelled with a hyphen: co-sign.
Practice
If you co-sign a loan for a friend, what are you doing?
Choose one answer.
Co-signing means you sign the loan agreement with the borrower and promise to repay if they fail to. It does not mean you are borrowing money or canceling the loan.
Make it your own
Write a sentence using “co-signing”, then check it and compare it with the examples above.