Is a second applicant useful when taking out a loan with poor creditworthiness?

Hello,

I would like to take out a larger loan. EUR 50,000

So far, two applications have been rejected. I earn €2,050 net and work in the public sector. The only thing I pay is my €800 share. My husband has several loans that we want to pay off with this. Unfortunately, he can't get one because his total debt is too high.

Question: Does it still make sense to apply as a pair, so I am borrower 1 and he is borrower 2, or do I have a better chance of getting a loan on my own, even if the loan is lower in the end?

Or should he ask, even though he hasn't received anything to date, but this time with me?

Thanks and regards