Excellent Credit

Given the unique nature of each individual’s credit situation, LightStream believes there is no single definition for "excellent credit". However, we find individuals with excellent credit usually share the following characteristics:

Finally, it should be noted again that each individual situation is different and that we make our credit judgment based on the specific facts of that situation. Ultimately our determination of excellent credit is based on whether we conclude that there is a very high likelihood that our loan will be repaid in a full and timely manner.