Who has more responsibility, Primary or co-signer?

Who has more responsibility on a personal loan, primary or the co-signer? Who's credit gets affected more? I was told that credit rating goes up more for the co-signer if payments were mad accordingly and they get screwed more if primary is delinquent. On a car loan, if primary were to miss payments can the co-signer take the car out from under the primary? And how does it work for personal cash loans?

Who has more responsibility, Primary or co-signer?

Both primary borrower and co-signer have equal responsibility. If payments are missed, it will affect both co-signer and primary borrower equal and will report to both individuals credit reports the same way. A late payment is a late payment. Piggybacking credit is so popular and works so well because it doesn't matter who the main card holder is, the credit history reports equal to both the primary card holder and to the authorized user. Bottom line is both people will be equally affected and the co-signer will probably be more upset, especially if they have excellent credit and they co-signed for you to help you out. If the co-signer takes over the payments on the loan, morally you should give the car over to the cosigner. However, legally I am not sure exactly what the laws and rights are exactly. I would assume the co-signer is not on the car title or registration so they probably can not legally just take the car from you.

Who has more responsibility, Primary or co-signer?

Primary

Who has more responsibility, Primary or co-signer?

Actually both have equal responsibility, until someone refinances it out of the other person's name!

Who has more responsibility, Primary or co-signer?

If the primary stops making payments, then the co-signer is indebted to make those payments, and their credit history will really be shaken.

I wouldn't dare co-sign for a loan for anyone, not even in my own family.