Legal analysis: when applying for a loan from a small loan company, if both husband and wife are borrowers, both parties need to sign. If a husband and wife apply for a loan, they only need the signature of the party applying for the loan. All debts and property after marriage are jointly owned by husband and wife, and both husband and wife should have the right to know all financial and debt situations. Therefore, the loan requires the signature of the spouse and the commitment and recognition of both husband and wife.

Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC) * * * The debts incurred by the husband and wife with the same signature or ratified by one of them afterwards, and the debts incurred by one of them in his own name for the daily life of the family during the marriage relationship, belong to the same debts of the husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.