'You Guys Can Do So Much Better:' Car Salesman Shares Common Trend He Keeps Seeing With Couples. Then He Issues Warning to Women
"Dump the guy and buy a Bronco. You’ll be much happier."
A car salesman is sparking debate on TikTok after pointing out a pattern he keeps seeing on the lot—one that he says women in particular should watch out for.
His advice? Stop cosigning for boyfriends who aren’t bringing much to the table.
'It’s Always the Boyfriend'
In a trending clip with more than 32,000 views, car salesperson @lacesonthelot laid out a scenario he says he encounters over and over.
"One thing I've noticed being in the car business: For some reason, a lot of women will come in and they're like, well-established," he begins, describing the women as having 730+ credit scores, money to put down, steady jobs, and realistic expectations for what they can afford.
Then, the boyfriend arrives to derail everything.
"It's always the boyfriend. It's never the husband," @lacesonthelot emphasizes.
He’s usually a regular dude with a credit score that maybe tops out at 480, who "barely got dressed before he rolled out of bed," and works maybe 20 hours a week at a part-time job he just started two months ago, @lacesonthelot described in scathing detail.
“I can’t help but wonder, ladies, why are we settling for that?” he asks directly into the camera.
“Until he’s willing to put a ring on it, don’t cosign for him. Don’t do any of that. Just keep doing you. Keep doing well,” he concludes.
The Risk of Cosigning a Car Loan
Cosigning a loan may feel like an act of love or loyalty, but finance experts warn it comes with serious risks.
Cosigning on a loan makes you equally responsible for the debt. If the other person misses a payment, your credit takes the hit, and you can be pursued for the balance.
In fact, about 38 percent of people who cosigned for a loan ended up paying some or all of it themselves, NBC News reported.
About one in six respondents said they had co-signed a loan for someone else, and in nearly 40% of cases, the relationship between the cosigner and borrower soured afterward.
"We were pretty surprised with how high that number is," Matt Schulz, a CreditCards.com senior analyst, told NBC. "It should certainly make you think twice about co-signing."
About half of all co-signers did so for their child or stepchild, 21 percent for a friend, and 14 percent for a spouse or partner.
Most cosigns are for car loans, and the bulk of the rest are for personal loans, student loans, and mortgages.
And when it comes to gender, women have a higher likelihood of being stuck with the bill.
Commenters react
“There’s a quote I heard recently that I keep thinking about, ‘a top-tier man is just the average woman,’” a top comment read.
“Do not ever co-sign for a boyfriend EVER,” a person suggested.
“Don't co-sign for anyone. Not even family members. Tell them to work on their own credit. Don't put yours at risk,” another wrote.
Motor1 reached out to @lacesonthelot for comment via TikTok direct message and comment.
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