*Loan,banking and credit>>>auto loan

Threatening to refinance the auto loan but we are both on the loan and title of the car!?

hello, i have a question here. if two people are listed on the loan and the title of the auto loan, can one refinance the car or take the car w/o the other persons approval if two people are legally the owners? what if one is the co-signer?

If both are listed as joint primary owner then both must agree, or one part must buy out the other share of the car.
if on the other hand one of the parties is only listed as a co-signer, thy only have right to the car if the other does not make payments on it. a co-signer is only some one who guaranties to pay the loan if the primary signer fails to do so.

i have no idea, but i do question why people often don't watch finances well enough to get into such trouble
Depends on the way it's worded on the loan and title. Joe Doe and Mary Smith. No. Both must approve any changes. Joe Doe OR Mary Smith, either may make changes.
If both names are on the title, one person cannot refinance, sell, or take the car without the signature of the other. Unless, they forge the information....which is illegal.
I have been a joint owner of two vehicles.
in most states,when they're 2 people on the paperwork for either the loan or the vechile or both,then neither 1 can refinance the loan or sell the vechile without the other persons written permision/release( though people have tried to forge names/signatures before).

the loan can be paid off without the other person agreeing to it or even knowing about it,but the vehicle still cannot be sold or traded without the 2nd person alowing it.