Co-Signer
A co-signer is a party who signs a document alongside the primary signer, typically assuming joint or secondary legal liability for the obligations in the agreement.
What it means
Co-signers are common in loan agreements (where a co-signer guarantees repayment if the primary borrower defaults), leases, and commercial contracts. Unlike a witness, a co-signer is a party to the agreement and takes on legal responsibility. Both signers must sign the same document, and each signature must meet the same validity requirements.
Why it matters for e-signatures
SignOwl handles co-signing through its multi-party workflow — you can add a co-signer as an additional required signatory in the same envelope, ensuring both parties sign the identical document version.
Related terms
Frequently asked questions
Does a co-signer need to be present during signing?
No, e-signatures allow co-signers to sign remotely and asynchronously. Sequential or parallel workflows both work — the key is that all required signatures are collected on the same document.
What is the difference between a co-signer and a guarantor?
The terms are often used interchangeably. A co-signer's liability typically begins immediately with the primary obligation; a guarantor's liability is secondary and typically activates only after the primary obligor defaults.
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