u/AddendumImportant975

Sorry for the millionth post on this sub about loans. I have 2 years of credit history and an 800 credit score but no private lenders are quoting me rates because I don't have a cosigner. I have seen people talking about splitting their private loans between multiple lenders to get approved, can anybody speak to their experience with this? I feel like my only option is to defer my acceptance (or try to) and save money/build more credit history. If I were to get added as an authorized user on a card would it bypass this? Thanks!