My wife has a car that we are making payments on. She co-signed with her sister. She's looking to buy a new car now and I am going to take hers. Her credit is good and mine is bad due to a 2004 BK. My question is, can her loan be transferred in to my name only so that she can easily finance a new car? If so, would the terms have to get renegotiated? We are 3 years in on a 5 year loan. Thanks for the help!