We co-sign for every kind of loan — and lend personally too.
Ivy stands beside you on the paperwork that decides your future. Whether you need a trusted cosigner for a loan you've already found, or a personal loan directly from us, you'll be met with honesty, clarity and real human care.
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What we stand on
Our services
Two ways we help you reach approval.
Some clients need a cosigner they can trust. Others simply need the funds. We do both — and we'll tell you honestly which one fits your situation.
Service one
Loan Cosigning
When a lender needs a second signature, we become it. Ivy co-signs across every loan category so a thin file, a short credit history, or non-traditional income doesn't close the door on you.
- Cosigning for all loan types
- No hard credit pull to be reviewed
- Decisions usually within 24 hours
- We stay reachable through the whole term
Service two
Personal Loans
We also lend directly. Straightforward personal loans with plain-language terms, no hidden fees, and repayment schedules built around what you can genuinely afford.
- Funds lent directly by Ivy
- Clear, fixed, written terms
- No penalties for paying early
- Honest guidance if borrowing isn't right for you
Loans we support
We co-sign across every category below.
Cosigning is available for all of these loan types. Personal loans are additionally offered directly by Ivy.
Personal Loans
We cosign with your lender — or fund the loan directly ourselves when that's the cleaner path.
Student Loans
We cosign private and supplemental student loans, including for international students with no US credit.
Auto Loans
We cosign with dealers and credit unions so you're quoted a fair rate instead of a punitive one.
Business Loans
We cosign working capital, equipment and startup financing for young or thin-file businesses.
Home & Mortgage Loans
We cosign conventional, physician and refinance mortgages when income or DTI sits just outside the box.
Debt Consolidation Loans
We cosign consolidation loans — or lend directly — to fold scattered balances into one clear payment.
Medical & Emergency Loans
We move quickly on urgent care, treatment and emergency costs, by cosigning or lending directly.
Not sure which applies to you?
Tell us the situation and we'll point you to the right path — even if that path isn't us.
Start a conversationOur mission
Helping people reach the financing they need — without losing their dignity along the way.
Ivy exists because good people get turned away for reasons that have little to do with who they are. Our work is rooted in integrity, transparency and accountability, and it's always delivered with genuine empathy. We treat every client the way we'd want our own family treated.
"We'd rather tell you an honest no than sell you a costly yes."
Integrity
We only put our name on a loan we believe you can carry. If it isn't right for you, we'll say so plainly.
Transparency
Every fee, term and timeline is written down before you commit. No fine print, no moving numbers.
Accountability
When we sign, we're on the hook with you. We answer for our decisions and we stay reachable.
Empathy
Behind every application is a person having a hard month, a big move, or a fresh start. We never forget that.
How it works
Four calm steps, start to finish.
Tell us what you need
Share whether you're looking for a cosigner or a personal loan, plus a few basic details. It takes a couple of minutes.
We review, gently
A specialist reads your file personally — income, timing and context, not just a score. No hard credit pull to be reviewed.
You get a clear answer
Usually within 24 hours. If it's a yes, you'll see the exact terms in writing. If it's a no, you'll hear why.
We sign or fund
We cosign alongside you with your lender, or release your personal loan funds — and stay available afterwards.
Eligibility
What we look for — stated plainly.
These are guidelines, not walls. If you don't meet every point, apply anyway and tell us your circumstances. Every file is read by a person.
For cosigning services
If most of these are true, we'd like to hear from you.
- 18 years or older and legally able to sign in the US
- Valid government-issued photo ID
- A verifiable source of income — employed, self-employed or contract
- A specific loan, lender or offer you're working toward
- Willingness to share basic income and identity documents
- No active bankruptcy proceedings
For personal loans from Ivy
Thin credit is welcome — we look at the whole picture.
- 18 years or older, US resident
- Valid government-issued photo ID
- Steady income for at least three consecutive months
- An active bank account in your own name
- A repayment plan that comfortably fits your budget
- Honest disclosure of existing debts
Why choose Ivy
Quiet, careful, and on your side.
Cosigning for every loan type
One relationship covering personal, student, auto, business, mortgage, consolidation and medical loans.
We lend directly too
If a cosigner isn't the answer, an Ivy personal loan often is — same terms, same honesty.
Answers within 24 hours
You'll never be left refreshing a portal wondering where you stand.
A named person on your file
You speak with the same specialist from first message to final signature.
No pressure, ever
We don't chase, upsell, or push you toward a bigger loan than you asked for.
Built for thin files
New to credit, self-employed, international, or rebuilding — this is the work we do every day.
Approved & funded
Real clients. Real approvals. Every loan type.
"I needed $18k to consolidate medical debt and my bank kept declining. Ivy cosigned my personal loan and I closed at a rate I could actually afford."
"My credit was in the mid-600s after a rough year. With Ivy on the file, the lender approved me same-day."
"First time borrowing on my own. Ivy walked me through the paperwork and lent to me directly."
Application
Begin your application.
A few details is all we need to start. There's no cost to apply and no hard credit pull to be reviewed.
Prefer the full cosigner intake? Open the detailed application
FAQs
Your questions, answered.
How does cosigning with Ivy actually work?+
You find the loan or lender you want, and we add our signature to your application as a cosigner. That gives the lender additional assurance, which often turns a decline into an approval or a high rate into a fair one. You remain the borrower and make the payments; we're the backstop.
Which types of loans do you co-sign for?+
All of them: personal, student, auto, business, home and mortgage-related, debt consolidation, and medical or emergency loans. If your situation doesn't fit neatly into a category, tell us anyway.
You also offer personal loans directly — how is that different?+
With cosigning, the money comes from an outside lender and we stand behind you. With an Ivy personal loan, the funds come from us directly under simple, fixed, written terms. If one route is clearly better for you, we'll say which.
What does the application process involve?+
Choose whether you need a cosigner or a loan, share your name, contact details, loan type and approximate amount, then add any context. It takes a few minutes and there's no cost to apply.
How long does a decision take?+
Most applications receive a response within 24 hours. More complex files — mortgages or business financing — can take up to 48 hours, and we'll tell you if yours is one of them.
What are the requirements?+
Broadly: you're 18 or over, you have a valid government-issued ID, and you have a verifiable source of income. Thin or imperfect credit is not a disqualifier. Full details are in the Eligibility section above.
What happens after I submit?+
A specialist reads your file personally and contacts you by email or phone. If we can help, you'll receive terms in writing before anything is signed. If we can't, we'll explain why and, where possible, point you somewhere that can.
Let's begin
Whatever the loan, you don't have to face it alone.
Send us your details and a specialist will be in touch — calmly, clearly, and without pressure.
Contact Ivy
- Office address111 Northwood Dr Aiken, SC United States
- Phone / WhatsApp+1 (825) 570 0973
- Emailivycosignerservices@gmail.com
- HoursMonday – Saturday · 9am – 7pm ET