It depends on the specific terms of the agreement between the primary borrower, the cosigner, and the lender. If the cosigner has been making the payments on the vehicle for 15 months, they may have certain rights to the vehicle, such as a security interest or ownership rights. However, the primary borrower may still have the legal title to the vehicle and may be able to repossess the vehicle if the cosigner defaults on the payments.
It is important to review the loan agreement and any other relevant documents to determine the specific rights and obligations of the primary borrower and the cosigner. If there is a dispute about who has the right to the vehicle, it may be necessary to consult with an attorney to resolve the issue.
