For most loans, if your income and credit are good enough, you can apply for the loan by yourself. However, if you plan to apply for a large loan, like a mortgage for example, the lender may have to consider both partners' income and credit history. Since your husband doesn't have any credit history yet, this can hurt your chance of being approved, or you may not get a good rate. If possible, you can help your husband build up his credit before apply for future loans together. A possible way to do so is to add him as an authorized user on your credit card, or he can also get a secured credit card. Be sure to stay on top of your bills and payments and use your credit wisely. Soon enough, your husband will be able to build a good credit history here.
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