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Co-signer and a Co-borrower are the same thing, there is no difference between the two, the loan would simply be a joint loan. Auto loan's with two people show up as joint installment accounts on credit bureau's. You are both financially responsible for the loan, and both hold ownership. In your given situation, It sounds like you will have to do a joint application since your credit is better, but your husband has the income. Goodluck!