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All mortgages are equity...If you can simply take over payments on a vehicle loan, why can't you just take over payments on a mortgage?...you take over the payments on car loan the term is usually just 2-5 years...much more cautious about allowing a loan with such a big balance transfer...How many payments should be made before you refinance your vehicle loan. Interest is to the max.?At least 6 months to a year otherwise you won't get passed the doorIf a vehicle loan is cosigned is the title in the borrowers name or cosigners?Its in the co-signers. Usu. banks, companies, etc only look at the co-signers record bc they want to make they will get their money. But...is there any way to file bankruptcy on my credit cards and keep my vehicle loan?...you can file on what ever you want. Just dont file on the vehicle loan. I had a friend who filed on credit cards but he didnt put...Is it possible to get a $14,000 personal loan if i put my vehicle as collateral?Yes. 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