1. Strong Credit Profile: - Good to Excellent Credit: LightStream primarily lends to borrowers with good to excellent credit scores. While they don't specify a minimum credit score, according to NerdWallet, borrowers generally need scores above 690 to qualify. - Credit History: Several years of credit history with various account types (credit cards, installment loans, mortgages, etc.). - Payment History: A good track record of on-time payments with few, if any, delinquencies.  2. Healthy Financial Situation: - Sufficient Income and Assets: You'll need stable income and assets to comfortably repay your existing debts and the new loan. - Low Debt-to-Income Ratio (DTI):LightStream considers your DTI ratio, which is the percentage of your monthly income that goes towards debt payments. According to NerdWallet, a maximum DTI of 50% is generally required. - Ability to Save: Evidence of your ability to save, often demonstrated through retirement/investment accounts and liquid assets (checking and savings accounts).  3. Other Requirements: - U.S. Citizen or Permanent Resident: You must be a U.S. citizen or permanent resident. - Age: You must be at least 18 years old. - U.S. Bank Account: You need a U.S. bank account for loan disbursement and repayments.  Important Notes: - No Pre-Qualification: LightStream doesn't offer pre-qualification, so you can't check your potential rates without a hard credit pull. - Minimum Loan Amount: LightStream's minimum loan amount is $5,000. 

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