a cosignee does not automatically get u a loan. since u have 0 credit you still wouldnt get a loan. the co signer speads out the amount of applicatble debit out. basically it says ok this person is responsible of pickin up a payment if you miss one. also it allows you to add more legal income to the application to help you if you had ok credit. since you have none you need to get a secured credit card from your bank, use it ocasionally and make minimal payments. racking up a large amount on a card and paying it all off does not help you out, it actually hurts your score. there looking for a steady flow of money.