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I want to get a 2005 jeep that's 10k plus a trade in which im upside down on by like 3 grand so total im thinking like 14k.... I have a full time job but not enough credit, so they want a cosigner. Can my cosigner have average credit and a full time job? He got denied at KIA but now I'm going through a credit union. They denied him because he was late on a timeshare payment but had proof he paid. I also have nothing down, but can handle a big payment. Will my cosigner pass?