A Southern California BMW salesman found himself in an awkward position after a potential buyer learned about his wife during the closing process.

Now they can’t get approved for the loan.

TikTok user Uziel Reyes (@drivewithuzi) is a BMW salesman based in Southern California. On July 17, he posted a video about the aftermath of the revelation. “Husband found out wife co-signed for her ex and now they can’t get approved,” reads the on-screen text.

For the audio, Reyes uses a popular clip of a couple fighting called “Ask first.”

Co-Signing on a Loan

When a potential car buyer doesn’t have the credit or proof of income to secure a loan on their own, the lender might ask for a co-signer.

Co-signers agree to pay back the loan if the primary borrower can’t or doesn’t. It’s a position of a lot of trust and risk.

‘I Had to Call a Tow Truck:’ Man Trades in Ford Explorer for 2023 Dodge Durango. He Claims Defect Has Left Him Stranded 6 Times
‘HOA President About to Show Up:’ Man Says There’s a Recall on Kias, Hyundais Over Brakes. Then He Shows What Can Happen

According to Equifax, two people’s credit reports don’t just automatically merge when they get married, and one spouse’s poor credit history doesn’t necessarily impact the other’s.

The couple in Reyes’ TikTok was presumably applying for the BMW loan jointly, which means the finance department would pull both their credit reports. In this case, the loan the wife co-signed could definitely impact the couple’s debt-to-income ratio and ultimately result in them being denied a loan.

‘These Women Can’t Be Trusted’

The comments section turned into an episode of The Jerry Springer Show. Most people who saw the post agree that the wife should’ve told her husband about co-signing on the loan. Some viewed it as a betrayal of their marriage vows.

“Pain in my brother’s voice,” wrote one of many who didn’t realize the audio wasn’t actually the husband. “These women can’t be trusted.”

Another person who was similarly confused wrote, “No accountability in her voice, either. Man’s in distress.”

Some felt that the circumstances matter.

“I need to know if she co-signed back when her and the ex were still together or if it was during her current relationship. That’s two very different things,” wrote one.

Other people took the opportunity to take a dig at the price of BMWs.

“My buddy is selling a 2002 BMW for $2,000,” one offered jokingly. “You just have to buy some new headlights.”

Another quipped, “I’m sure Hyundai can get them approved.”

Motor1 reached out to Reyes via TikTok comment and direct message for comment. We’ll be sure to update this if Reyes responds.

 
Don’t Worry, BMW’s Best Engines Aren’t Going Anywhere: ‘We Don’t Want to Lose Performance’
A Rippin’ Green Stick-Shift Machine: This Is the Modern M3 I’ve Waited For
The BMW M2 is Getting a Street-Legal Track Package
The Best Sedans of 2025 (So Far)