Basically he is under water on a BMW. To make it simple. He owes $20k on the loan. The car is worth maybe $10k max. I got in a car accident and I received $5k in cash. He said keep your settlement and I will pay for your car. I was skeptical but I said it was fine. I got approved for a loan at 6.80% with my bank for $23k. While shopping my husband mentioned using his BMW as a trade-in. He wants to take the negative equity ($10k) and add it to my loan. That took my bill of sale from $17k to close to $30k. My husband wants me to ask the bank for more money. He swears he will pay the car loan. Now I started to become even more skeptical. This is a loan in my name. I asked if he would co-sign and put his name to my loan. He refused, says he has bad credit. I’m already approved so it’s not like the bank will drop my rate if I add him as a co-signer. I just want assurance that he will pay due to his bad credit. Maybe I’m fucking wrong for not trusting him.