What is the main factor lenders consider in determining a personal creditworthiness?

The main factor lenders consider in determining a borrower's creditworthiness is their credit score, which reflects their credit history, including payment history, outstanding debts, length of credit history, types of credit used, and recent credit inquiries. A higher credit score indicates a lower risk for lenders, making it more likely for the borrower to be approved for loans and receive favorable terms. Additionally, lenders may assess income, employment stability, and debt-to-income ratio to evaluate the borrower's ability to repay the loan.