確保借貸者還款
Pete and Andrea are siblings. They are talking about Andrea getting a loan for a new car.
皮特與安德莉雅是兄妹。他們在談論安德莉雅為新車申辦貸款。
Andrea: I’ve been looking at buying a brand new car to commute to work, but I think it will be hard for me to get a loan without a credit score.
安德莉雅：我最近考慮買一台新車通勤去上班，但我覺得沒有信用評分很難申請到貸款。
credit score信用評分credit limit信用額度
Pete: Oh, that will be a problem. You still don’t have a credit card, and you haven’t taken out a loan before, right?
皮特：哦，那的確會是個問題。你還沒辦信用卡，也沒申請過貸款，對吧？
take out a loan申請貸款apply for申請
Andrea: Yeah. I’ve never had either. I don’t know what I can do.
安德莉雅：對啊，都沒有。我不曉得可以做什麼。
Pete: Well, I have very good credit, so I can cosign for your auto loan. That will make it much easier for you to get the loan.
皮特：這個嘛，我的信用評分很高，可以跟你一起簽車貸合約。這麼一來，申請貸款對你來說會更簡單些。
Andrea: What does that mean?
安德莉雅：怎麼說？
Pete: It means that I’ll sign the loan with you to help you get approved, and I’ll take responsibility for your payments if you can’t make them.
皮特：意思是我會跟你一起簽貸款合約，好幫助你通過申請，如果你繳不出車貸，我就要負責幫你繳款。
approve(v.)核准、批准decline(v.)否決take responsibility for sth.承擔某事的責任
Andrea: So, it’s like insurance for the lender that their payment will be repaid?
安德莉雅：所以，這像是貸款機構的保險，確保借貸者會還款囉？
insurance(n.)保險repay(v.)償還repay a loan償還貸款repay a debt償還債務repayment(n.)償還(的款項)
Pete: Exactly. Plus, with my credit score, you might even be able to get a lower interest rate.
皮特：確實如此。此外，以我的信用評分來申貸，你的貸款利率甚至可能會更低。
interest(n.)利息
Andrea: Thanks so much! This is a huge relief.
安德莉雅：太感謝了！那我就放心了。