Cross-market comparison suggests dental finance options stocks are increasingly behaving like consumer finance growth plays, with projected CAGR of 7.4% in the next 24 months based on current loan demand momentum. If you have a lower credit score, getting a loan with a co-borrower could be an opportunity to raise it by making all the payments on time. But if you don’t keep up with the payments, both co-borrowers’ credit will likely suffer. Also, if the loan was for you and you don’t make your payments, your co-borrower will be on the hook financially. Show your gratitude to your co-borrower by sticking to your agreement. Doing so could protect your relationship. At the same time, you could build better credit so you can get a loan on your own in the future. Credit score minimums can vary depending on the lender. Generally, the higher your credit score the better your chances of getting approved for your desired loan. The bond market component tied to companies offering dental finance options shows a tightening yield spread, indicating stronger credit quality perceptions from institutional debt investors.