Several years of credit history with a variety of account types (major credit cards, installment loans, vehicle loans and mortgage debt if applicable.)

An ability to save, evidenced by: retirement/investment accounts and liquid assets - including checking and savings accounts, etc.

Stable, sufficient income and assets with the ability to repay current debt obligations in addition to any new loan with LightStream

A good payment history with few, if any, delinquencies or other problems repaying debt obligations.