Lovability is not so much about personal characteristics - though we are, of course, lovable in that sense. It's mainly about the nature of the universe, which is to love. Ready or not, aware or not, "worthy" or not, we all bask in this radiance - 24/7.
Likewise, our love-ability is partly a personal capacity and mostly a manifestation of who we are - beings of light, inseparable from, and vibrating in union with, a universe whose first expression is the energy of love.
As we remember the universal, the personal deepens and expands. Try to remember.