Woman refuses to co-sign her boyfriend’s car loan after he spent his down payment on a PS5, designer sneakers, and a friends trip: ‘I told him no I’m not risking my credit when he just proved he can’t manage his own’

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  • Serious woman with green eyes sitting indoors
  • AITA for refusing to co-sign my boyfriend’s car loan after he spent his savings on a PS5 and sneakers?

    I (25F) have been dating my boyfriend (27M) for 3 years. He's sweet but impulsive with money.
  • He recently asked me to co-sign a loan for a car he needs for work. Thing is, he had the down payment but spent most of it last month on a PS5, some designer sneakers, and a weekend trip with friends.
  • I told him no I'm not risking my credit when he just proved he can't manage his own.
  • He said I'm unsupportive and don't believe in his potential. Now his mom even texted me saying I should help him because that's what partners do.
  • Pensive young woman with blue eyes resting chin on hand in dark room
  • I'm starting to feel guilty, but also I'm not a bank. AITA for refusing to co- sign?
  • velvet_kissss NTA. Do NOT co-sign. His "potential" means nothing if his choices are a PS5 and sneakers over reliable transportation. He's not a partner; he's a financial liability. The fact that his mommy is texting you to pressure you is a massive red flag. You are not a bank, and you are not his financial safety net. Stick to your guns, or you'll be paying for his car and his poor decisions.
  • Hour-Border6561 Original Poster's Reply Thanks a lot for the advice
  • 1arse She needs to end the relationship now! Him and his mother have given her every reason to prove this is a very unhealthy relationship. If she stays, she pays. GET OUT NOW!!!
  • bluefoot24 If his own mama won't even co- sign for him, why the heck would you? Don't do it girl!
  • Common-Put-8970 NTA. Believing in his potential doesn't mean signing legal documents for someone who just blew his savings on luxury items. He doesn't need a co-signer he needs accountability.
  • lapsteelguitar Forget the PS5 and the sneakers for a moment. Don't co-sign for his car, period. That's high risk for no reward. Add in his obvious bad money management, and co-signing that car loan would be foolish. NTA
  • CuriouserCuriouser99 This is a perfect response. The only addition is to tell his Mom to co-sign the loan for him. Good luck and stick to your refusal.
  • traciw67 Ntj. Your bf is a loser.
  • SKINNYDOGXYZ No never cosign
  • gele-gel Let his mama do it.
  • draetz1 Then mommy can sign his car loan

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