If I want two people on a car title, is that second person legally obligated to be on the car loan/finance appication?

Just because two people do or will own property doesn't mean that both of them must be on the loan. If one of the people can qualify on his or her own, that will do it as far as the legal obligation to pay. BUT it will be the case that both owners must consent to and grant a security interest in the property which will serve as collateral - in this case, the car.  Best of luck with your loan! I hope you're the non-obligated owner:)