Loov Score
A 300 to 850 credit score computed entirely from your repayment history. It lives in your wallet, and any protocol can read it.
Loans repaid—
Active loans—
Rate discount—
How the score moves
- Repay on time. Every cleanly repaid loan is the dominant input. Repay from the dashboard to build history.
- Keep positions healthy. Liquidations drop the score sharply. Top up or repay before your health factor reaches 1.00.
- Stay active. Scores decay slowly with inactivity. There is no penalty for early repayment.
| Tier | Range | Unlocks |
|---|---|---|
| Newcomer | 300–579 | Standard rates, 50% max LTV |
| Builder | 580–669 | −15 bps, 60% max LTV |
| Trusted | 670–739 | −35 bps, 70% max LTV |
| Prime | 740–850 | Best rates, 80%+ max LTV |