{"id":599,"date":"2024-05-03T17:55:49","date_gmt":"2024-05-03T17:55:49","guid":{"rendered":"https:\/\/www.fatcatloans.ca\/blog\/?p=599"},"modified":"2026-04-07T15:03:08","modified_gmt":"2026-04-07T15:03:08","slug":"personal-loan-with-cosigner-canada","status":"publish","type":"post","link":"https:\/\/www.fatcatloans.ca\/blog\/personal-loan-with-cosigner-canada\/","title":{"rendered":"How to Secure a Personal Loan With Cosigner Canada"},"content":{"rendered":"<h2>How to Secure a Personal Loan With a Cosigner in Canada<\/h2>\n<p><em>Published March 2026<\/em><\/p>\n<p>Getting approved for a personal loan in Canada can be difficult if you have <strong>bad credit, limited credit history, or a high debt-to-income ratio<\/strong>. Many lenders rely heavily on credit scores when deciding whether to approve a loan application.<\/p>\n<p>One solution that can improve your chances of approval is applying with a <strong>cosigner<\/strong>.<\/p>\n<p>A cosigner agrees to share legal responsibility for the loan, which reduces risk for the lender. This can make it easier to qualify for financing and may even help you secure <strong>lower interest rates and better repayment terms<\/strong>.<\/p>\n<p>In this guide, we explain everything Canadians should know about securing a <strong>personal loan with a cosigner<\/strong>, including:<\/p>\n<ul>\n<li>how cosigner loans work<\/li>\n<li>eligibility requirements<\/li>\n<li>the risks involved<\/li>\n<li>how to choose the right cosigner<\/li>\n<li>how to compare lenders<\/li>\n<\/ul>\n<p>If you&#8217;re currently exploring borrowing options, you can also <strong>compare personal loan offers in Canada<\/strong> using our free comparison tool.<\/p>\n<h2>How a Cosigner Affects Loan Approval and Terms<\/h2>\n<ul>\n<li>A cosigner agrees to repay the loan if the borrower cannot.<\/li>\n<li>Cosigners can improve approval odds for borrowers with poor or limited credit.<\/li>\n<li>A strong cosigner may help you qualify for <strong>lower interest rates<\/strong>.<\/li>\n<li>Cosigners typically need <strong>good credit and stable income<\/strong>.<\/li>\n<li>Both borrower and cosigner share <strong>legal responsibility for the debt<\/strong>.<\/li>\n<li>Comparing lenders can help you find the <strong>best loan terms available<\/strong>.<\/li>\n<\/ul>\n<h2>What Is a Personal Loan With a Cosigner?<\/h2>\n<p>A <strong>personal loan with a cosigner<\/strong> is a type of unsecured loan where another person agrees to share responsibility for repaying the loan if the borrower fails to make payments.<\/p>\n<p>Personal loans are commonly used for:<\/p>\n<ul>\n<li>debt consolidation<\/li>\n<li>emergency expenses<\/li>\n<li>home repairs<\/li>\n<li>medical bills<\/li>\n<li>large purchases<\/li>\n<\/ul>\n<p>Learn more about how <strong><a class=\"decorated-link\" href=\"https:\/\/www.fatcatloans.ca\/loans\/personal-loans\/\" target=\"_new\" rel=\"noopener\">personal loans work in Canada<\/a><\/strong> if you&#8217;re considering applying.<\/p>\n<p>Unlike secured loans, personal loans do not require collateral such as a vehicle or property. Instead, lenders evaluate the borrower\u2019s:<\/p>\n<ul>\n<li>credit score<\/li>\n<li>income stability<\/li>\n<li>debt levels<\/li>\n<li>employment history<\/li>\n<\/ul>\n<p>If the borrower does not meet the lender\u2019s requirements, adding a cosigner can help strengthen the application.<\/p>\n<h2>Common Reasons Canadians Apply for Loans With Cosigners<\/h2>\n<p>Many Canadians apply for loans with cosigners when they have difficulty meeting lender requirements on their own.<\/p>\n<p>Some common situations include:<\/p>\n<h3>Limited Credit History<\/h3>\n<p>Young borrowers or newcomers to Canada may have little or no credit history, making it harder to qualify for financing.<\/p>\n<h3>Low Credit Score<\/h3>\n<p>Individuals with past credit issues may use a cosigner to strengthen their loan application.<\/p>\n<h3>High Debt-to-Income Ratio<\/h3>\n<p>Borrowers with existing financial obligations may improve approval odds by adding a financially stable cosigner.<\/p>\n<h3>Lower Interest Rates<\/h3>\n<p>Some borrowers with moderate credit scores use cosigners to help secure better interest rates and repayment terms.<\/p>\n<h2>Why Lenders Allow Cosigners<\/h2>\n<p>Lenders allow cosigners because it <strong>reduces the risk of loan default<\/strong>.<\/p>\n<p>When a cosigner is added to the loan agreement:<\/p>\n<ul>\n<li>the lender evaluates <strong>both credit profiles<\/strong><\/li>\n<li>the cosigner becomes legally responsible for repayment<\/li>\n<li>the loan becomes less risky for the lender<\/li>\n<\/ul>\n<p>This often leads to:<\/p>\n<ul>\n<li>higher approval odds<\/li>\n<li>better interest rates<\/li>\n<li>larger loan amounts<\/li>\n<\/ul>\n<p>For borrowers with limited credit history or poor credit scores, a cosigner can make a significant difference in whether a loan application is approved.<\/p>\n<p>If you&#8217;re working on improving your credit profile, our guide on <strong><a class=\"decorated-link\" href=\"https:\/\/www.fatcatloans.ca\/blog\/improve-credit-score-canada\/\" target=\"_new\" rel=\"noopener\">how to improve your credit score in Canada<\/a><\/strong> may help.<\/p>\n<h2>Benefits of Getting a Loan With a Cosigner<\/h2>\n<h3>Higher Approval Odds<\/h3>\n<p>Borrowers who struggle to qualify on their own may be approved when a cosigner is added to the application.<\/p>\n<h3>Lower Interest Rates<\/h3>\n<p>A cosigner with strong credit may help secure lower borrowing costs.<\/p>\n<h3>Larger Loan Amounts<\/h3>\n<p>Lenders may approve higher loan limits when two borrowers are responsible for repayment.<\/p>\n<h3>Opportunity to Build Credit<\/h3>\n<p>Making on-time payments may help borrowers improve their credit history over time.<\/p>\n<h2>Who Can Be a Cosigner in Canada?<\/h2>\n<p>A cosigner is usually someone who has a <strong>strong financial profile and trusts the borrower<\/strong>.<\/p>\n<p>Common cosigners include:<\/p>\n<ul>\n<li>parents<\/li>\n<li>siblings<\/li>\n<li>spouses<\/li>\n<li>close relatives<\/li>\n<li>trusted friends<\/li>\n<\/ul>\n<p>However, not everyone qualifies to be a cosigner.<\/p>\n<h2>Typical Interest Rates for Personal Loans With Cosigners in Canada<\/h2>\n<p>Interest rates for personal loans in Canada vary depending on several factors, including the borrower\u2019s credit score, income stability, loan term and the credit profile of the cosigner.<\/p>\n<p>While exact rates vary by lender, borrowers may typically see:<\/p>\n<div class=\"TyagGW_tableContainer\">\n<div class=\"group TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\">\n<thead>\n<tr>\n<th class=\"\">Credit Profile<\/th>\n<th class=\"\">Estimated Interest Rate Range<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Excellent credit<\/td>\n<td>6% \u2013 12%<\/td>\n<\/tr>\n<tr>\n<td>Good credit<\/td>\n<td>10% \u2013 18%<\/td>\n<\/tr>\n<tr>\n<td>Fair credit (with cosigner)<\/td>\n<td>15% \u2013 29%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p>Having a cosigner with a strong credit history can often help borrowers qualify for <strong>lower interest rates than they would receive on their own<\/strong>.<\/p>\n<p>However, lenders still evaluate the overall financial profile of both applicants before determining the final loan terms.<\/p>\n<p>Before accepting any loan offer, borrowers should review the <strong>annual percentage rate (APR)<\/strong>, which includes interest and any additional fees.<\/p>\n<h2>Cosigner Eligibility Requirements<\/h2>\n<p>While requirements vary by lender, most cosigners must meet several criteria.<\/p>\n<h3>Good Credit Score<\/h3>\n<p>Lenders generally prefer cosigners with <strong>good or excellent credit histories<\/strong>.<\/p>\n<h3>Stable Income<\/h3>\n<p>A reliable source of income helps demonstrate the ability to repay the loan if necessary.<\/p>\n<h3>Low Debt Levels<\/h3>\n<p>Cosigners should have manageable existing debt obligations.<\/p>\n<h3>Canadian Residency<\/h3>\n<p>Most lenders require both borrowers and cosigners to reside in Canada.<\/p>\n<h2>Risks of Cosigning a Loan<\/h2>\n<p>Cosigning a loan is a <strong>serious financial responsibility<\/strong>. Before agreeing to cosign, both parties should fully understand the risks.<\/p>\n<h3>Full Legal Responsibility<\/h3>\n<p>If the borrower stops making payments, the cosigner must repay the loan.<\/p>\n<h3>Credit Score Impact<\/h3>\n<p>Missed or late payments can damage the credit scores of both the borrower and the cosigner.<\/p>\n<h3>Reduced Borrowing Power<\/h3>\n<p>The loan may appear on the cosigner&#8217;s credit report, which could affect their ability to obtain future credit.<\/p>\n<p>For example, if the borrower uses the loan for <strong><a class=\"decorated-link\" href=\"https:\/\/www.fatcatloans.ca\/loans\/consolidation-loans\/\" target=\"_new\" rel=\"noopener\">debt consolidation<\/a><\/strong>, the cosigner may become responsible for the entire consolidated balance if payments are missed.<\/p>\n<h2>How to Choose the Right Cosigner<\/h2>\n<p>Selecting the right cosigner is extremely important.<\/p>\n<p>A good cosigner should:<\/p>\n<ul>\n<li>trust your ability to repay the loan<\/li>\n<li>have strong credit history<\/li>\n<li>understand the risks involved<\/li>\n<li>communicate openly about financial expectations<\/li>\n<\/ul>\n<p>Before applying, both parties should discuss:<\/p>\n<ul>\n<li>repayment responsibilities<\/li>\n<li>financial risks<\/li>\n<li>communication expectations<\/li>\n<\/ul>\n<p>Clear communication can help avoid financial misunderstandings later.<\/p>\n<h2>How to Apply for a Personal Loan With a Cosigner<\/h2>\n<p>The application process is similar to a standard loan application but includes information from both the borrower and the cosigner.<\/p>\n<h3>Step 1: Compare Lenders<\/h3>\n<p>Start by comparing lenders to find competitive interest rates and loan terms.<\/p>\n<p>You can <strong>compare lenders instantly using the FatCatLoans comparison tool<\/strong>.<\/p>\n<h3>Step 2: Submit Your Application<\/h3>\n<p>Provide financial information including:<\/p>\n<ul>\n<li>income<\/li>\n<li>employment details<\/li>\n<li>identification<\/li>\n<li>banking information<\/li>\n<\/ul>\n<p>Your cosigner will also need to submit their financial details.<\/p>\n<h3>Step 3: Credit Assessment<\/h3>\n<p>The lender reviews both credit profiles and financial situations.<\/p>\n<h3>Step 4: Loan Approval and Agreement<\/h3>\n<p>If approved, both parties must sign the loan agreement before funds are released.<\/p>\n<h2>Documents Required for a Cosigner Loan Application<\/h2>\n<p>When applying for a personal loan with a cosigner in Canada, lenders typically require documentation from both the borrower and the cosigner.<\/p>\n<p>Common documents may include:<\/p>\n<ul>\n<li>government-issued identification<\/li>\n<li>proof of income (pay stubs or employment verification)<\/li>\n<li>recent bank statements<\/li>\n<li>proof of address<\/li>\n<li>Social Insurance Number (SIN) for credit checks<\/li>\n<\/ul>\n<p>Providing accurate financial information helps lenders conduct the affordability assessment required under Canadian lending regulations.<\/p>\n<h2>What to Compare Before Choosing a Lender<\/h2>\n<p>Not all lenders offer the same loan conditions.<\/p>\n<p>When comparing lenders, consider:<\/p>\n<h3>Interest Rates<\/h3>\n<p>Lower interest rates reduce the overall cost of borrowing.<\/p>\n<h3>Loan Terms<\/h3>\n<p>Shorter terms may cost less overall but require higher monthly payments.<\/p>\n<h3>Fees and Charges<\/h3>\n<p>Look for:<\/p>\n<ul>\n<li>origination fees<\/li>\n<li>late payment fees<\/li>\n<li>early repayment penalties<\/li>\n<\/ul>\n<h3>Customer Reviews<\/h3>\n<p>Research lender reputation and customer experiences before applying.<\/p>\n<h2>Responsible Loan Management<\/h2>\n<p>Managing your loan responsibly is essential, especially when a cosigner is involved.<\/p>\n<h3>Make Payments On Time<\/h3>\n<p>Consistent on-time payments protect both credit scores.<\/p>\n<h3>Budget for Repayments<\/h3>\n<p>Ensure the loan fits comfortably within your monthly budget.<\/p>\n<h3>Monitor Your Credit<\/h3>\n<p>Regularly check your credit report to track progress and detect errors.<\/p>\n<h2>Alternatives to Using a Cosigner<\/h2>\n<p>If you cannot find a cosigner, there may still be other borrowing options.<\/p>\n<p>Possible alternatives include:<\/p>\n<ul>\n<li>bad credit loans<\/li>\n<li>secured loans<\/li>\n<li>credit builder loans<\/li>\n<li>improving your credit score before applying<\/li>\n<\/ul>\n<p>Exploring multiple options can help you find the most suitable borrowing solution.<\/p>\n<h2>When a Cosigner Loan May Not Be the Best Choice<\/h2>\n<p>Although cosigner loans can improve approval odds, they may not be the best solution in every situation.<\/p>\n<p>You may want to reconsider applying with a cosigner if:<\/p>\n<ul>\n<li>you are unsure about your ability to make consistent repayments<\/li>\n<li>the loan could strain your relationship with the cosigner<\/li>\n<li>the interest rate remains very high despite the cosigner<\/li>\n<li>you could improve your credit score before applying<\/li>\n<\/ul>\n<p>In some cases, waiting a few months to strengthen your financial profile may lead to better loan offers.<\/p>\n<h2>Responsible Borrowing Disclaimer<\/h2>\n<p>This article is for informational purposes only and does not constitute financial advice. Loan terms, approval requirements and interest rates may vary depending on the lender and the applicant&#8217;s financial profile.<\/p>\n<p>Borrowers should carefully review loan agreements and ensure they can comfortably afford repayments before accepting any credit.<\/p>\n<h2>Final Thoughts<\/h2>\n<p>A <strong>personal loan with a cosigner in Canada<\/strong> can make it easier to access financing if you have poor or limited credit.<\/p>\n<p>However, both borrowers and cosigners should carefully consider the risks involved before entering into a loan agreement.<\/p>\n<p><strong><a href=\"https:\/\/www.fatcatloans.ca\/\">Comparing lenders<\/a><\/strong>, understanding loan terms and maintaining responsible repayment habits are essential steps to ensuring a positive borrowing experience.<\/p>\n<h2>How Cosigner Loans Affect Credit Scores<\/h2>\n<p>A personal loan with a cosigner can affect the credit scores of both the borrower and the cosigner.<\/p>\n<p>If the loan is managed responsibly:<\/p>\n<ul>\n<li>on-time payments may help build a positive credit history<\/li>\n<li>both parties may strengthen their credit profiles<\/li>\n<\/ul>\n<p>However, missed or late payments can negatively impact both credit reports.<\/p>\n<p>Because the loan appears on the cosigner\u2019s credit report, lenders may also consider it when evaluating the cosigner\u2019s future loan applications.<\/p>\n<p>For this reason, it is important that both parties fully understand the repayment commitment before agreeing to the loan.<\/p>\n<p><a href=\"https:\/\/www.fatcatloans.ca\/apply\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4224 size-full\" src=\"https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/10\/Canada-Apply-Button.png\" alt=\"Find out more about how to apply for a personal loan with cosigner in Canada with FatCat Loans.\" width=\"570\" height=\"112\" srcset=\"https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/10\/Canada-Apply-Button.png 570w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/10\/Canada-Apply-Button-300x59.png 300w\" sizes=\"auto, (max-width: 570px) 85vw, 570px\" \/><\/a><\/p>\n<h2>Frequently Asked Questions<\/h2>\n<h3>Can anyone be a cosigner for a loan in Canada?<\/h3>\n<p>No. Cosigners typically need a good credit score, stable income and strong financial history to qualify.<\/p>\n<h3>What happens if the borrower cannot repay the loan?<\/h3>\n<p>If the borrower defaults, the cosigner becomes legally responsible for repaying the remaining balance.<\/p>\n<h3>Does cosigning affect the cosigner&#8217;s credit score?<\/h3>\n<p>Yes. The loan will appear on the cosigner\u2019s credit report, and missed payments can negatively impact their credit score.<\/p>\n<h3>Are there alternatives to getting a loan with a cosigner?<\/h3>\n<p>Yes. Some borrowers may qualify for bad credit loans, secured loans or credit builder products depending on their financial situation.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Obtaining a loan can be difficult for those with poor credit, high debt, or a complicated financial history. In Canada, one solution for securing a personal loan is to have a cosigner.<\/p>\n","protected":false},"author":3,"featured_media":5136,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[96],"tags":[],"class_list":["post-599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans-canada"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Learn how to secure a personal loan with a cosigner in Canada, including requirements, risks, interest rates and tips to improve approval chances.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"FatCat Loans Editorial Team\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.fatcatloans.ca\/blog\/personal-loan-with-cosigner-canada\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog - FatCat Loans | Canadian Loan &amp; Finance Tips\ud83d\udcb0 - Discover expert tips on loans, credit, and personal finance in Canada. 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Requirements vary by lender, but creditworthiness is key.\" } }, { \"@type\": \"Question\", \"name\": \"What happens if the primary borrower defaults on the loan?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"If the primary borrower defaults, the cosigner becomes responsible for the loan payments. Missed payments can hurt both the borrower\u2019s and cosigner\u2019s credit scores.\" } }, { \"@type\": \"Question\", \"name\": \"How does cosigning a loan affect the cosigner's credit?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Cosigning can impact the cosigner\u2019s credit because the loan may appear on their credit report. Late or missed payments by the borrower can lower the cosigner\u2019s credit score.\" } }, { \"@type\": \"Question\", \"name\": \"Are there alternatives to getting a personal loan with a cosigner?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Yes. Alternatives can include secured loans, bad credit loans, or improving your credit before applying. Options and eligibility depend on the lender.\" } } ] }"}],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-04-07 15:12:17","breadcrumb_settings":null,"limit_modified_date":false,"reviewed_by":"0","open_ai":null,"ai":{"faqs":[],"keyPoints":[],"titles":[],"descriptions":[],"socialPosts":{"email":[],"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2025-10-18 12:30:25","updated":"2026-04-07 15:12:17"},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/www.fatcatloans.ca\/blog\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/www.fatcatloans.ca\/blog\/category\/personal-loans-canada\/\" title=\"Personal Loans Canada\">Personal Loans Canada<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\tHow to Secure a Personal Loan With Cosigner Canada\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.fatcatloans.ca\/blog"},{"label":"Personal Loans Canada","link":"https:\/\/www.fatcatloans.ca\/blog\/category\/personal-loans-canada\/"},{"label":"How to Secure a Personal Loan With Cosigner Canada","link":"https:\/\/www.fatcatloans.ca\/blog\/personal-loan-with-cosigner-canada\/"}],"_links":{"self":[{"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/posts\/599","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/comments?post=599"}],"version-history":[{"count":17,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/posts\/599\/revisions"}],"predecessor-version":[{"id":6038,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/posts\/599\/revisions\/6038"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/media\/5136"}],"wp:attachment":[{"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/media?parent=599"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/categories?post=599"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/tags?post=599"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}