I live in CA and my sister lives in MA. I have poor credit and negative income for the last two year’s tax returns as an independant contractor. She has great credit and pay stubs. We want to apply for a loan in order to purchase a used car from a private party. The car will be driven by me in CA. If she were to apply for the loan in her name only, we were told that the car has to be registered in the state that the owner lives in. Is there a way for her to established residency (P.O. Box , etc) in CA to avoid having to apply as a co-borrower? If we do that, I’m scared that we’ll be rejected based on my history. Thanks.