You deserve to have your financial future in your hands - not someone else's. (After all - it's your future, and you should be empowered!) With that being said, often times lenders require borrowers with no credit or impaired credit scores to add a cosigner to their application. Why? Because lenders do not know whether or not you'll pay your debt if you have no history of on-time payments. Here are three tell-tale signs that might mean you need to add a cosigner to your loan application.