Scripture consistently warns that co-signing puts you at financial risk you cannot control and calls it unwise.
Scripture on Co Signing A Note
Proverbs 11:15
Old Testament
"Whoever puts up security for a stranger will surely suffer, but whoever refuses to shake hands in pledge is safe."
Proverbs 17:18
Old Testament
"One who has no sense shakes hands in pledge and puts up security for a neighbor."
Proverbs 22:26-27
Old Testament
"Do not be one who shakes hands in pledge or puts up security for debts; if you lack the means to pay, your very bed will be snatched from under you."
Proverbs 6:1-5
Old Testament
"My son, if you have put up security for your neighbor, if you have shaken hands in pledge for a stranger, you have been trapped by what you said, ensnared by the words of your mouth. So do this, my son, to free yourself, since you have fallen into your neighbor's hands: Go—to the point of exhaustion—and give your neighbor no rest! Allow no sleep to your eyes, no slumber to your eyelids. Free yourself, like a gazelle from the hand of the hunter, like a bird from the snare of the fowler."
Romans 13:8
New Testament
"Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law."
The Bottom Line
God says your signature should never promise what you can't afford to lose.
Try Today
If you've already co-signed, create a plan to save the full amount — treat it like you already owe it.
Prayer
Jesus taught us to pray boldly and honestly (Luke 11:9-10).
Father, You are sovereign over every dollar and every decision. I confess I've treated financial commitments too casually, thinking I could control outcomes I can't. Forgive me for the times I've prioritized people-pleasing over wisdom. Give me courage to say no when I need to, and protect me from the consequences of foolish promises. Help me trust You to provide and protect what's Yours. In Jesus' name, Amen.
📚 Read Proverbs 6
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