HODLoans

Freeto use, no obligation

7 coinsBTC, ETH, SOL, XRP, USDC, USDT, SALT

Personal or businessindividuals and LLCs / corporations

Not a lenderwe find the best option for you

Why borrow against your crypto instead of selling it?

If you bought early, your cost basis is probably a fraction of today's price. Selling turns that gain into a tax bill and ends your stake in whatever comes next. A crypto-backed loan is another way to get cash.

Selling can trigger capital-gains tax

In general, selling crypto for more than you paid is a taxable event. With a low cost basis, the gain, and the tax on it, can be large. Generally, borrowing against an asset is not treated as a sale.

Keep your upside

When you borrow instead of sell, your coins stay yours. If the price goes up while the loan is open, you still own the coins that went up.

Capital for business and investment

Fund a business, an investment, or a project, or keep working capital on hand. You don't have to give up a long-term position to do it.

HODLoans does not provide tax, legal, or investment advice. Tax treatment depends on your situation and can change. Talk to a qualified tax advisor before you decide to borrow or sell.

Illustration: crypto holders keeping their coins while getting cash

Borrow vs. sell

Keep the coins. Unlock the value.

	Sell your crypto	Borrow against it
Keep your coins	✕	✓
Keep future upside	✕	✓
Generally a taxable sale	Yes	Generally no
Risk of liquidation if prices fall	—	Yes, know the risks

General information only, not tax advice. Talk to a qualified tax advisor.

Find My Best Loan Option

How HODLoans works

Three steps. You don't pay HODLoans anything.

Step 1

Tell us about you

Fill out a short form. Tell us which coins you hold, about how much you'd like to borrow, and what state you live in. It takes about two minutes.

Step 2

We match you with the best lender option

We look at crypto-backed lending options that fit your coins, your state, and how much you want to borrow. Then we point you to the one we think fits you best. A HODLoans specialist follows up with you directly.

Step 3

Apply directly with the lender

You apply with the lender, on the lender's own platform, only if you decide to go ahead. The lender reviews your application, decides whether to approve it, and sets the loan terms. You see those terms before you agree to anything.

Start Step 1

HODLoans may receive compensation from lenders when we refer you. That compensation never adds to what you pay us, because using HODLoans is free.

What you can borrow against

Bitcoin, Ethereum, Solana, XRP, stablecoins and more. Which coins are accepted depends on the lender and where you are.

Bitcoin (BTC)

The most widely accepted crypto collateral. It's a good fit if you've held BTC for years and don't want to sell.

Ethereum (ETH)

Borrow against your ETH and keep your position.

Solana (SOL)

Some lenders also accept SOL as collateral. We'll help you find one.

XRP (XRP)

Hold XRP? Some lenders accept it as collateral, too.

USD Coin (USDC)

Stablecoin collateral can be an option with some lenders.

Tether (USDT)

Some lenders accept USDT, and some accept a mix of coins.

SALT (SALT)

Some lenders accept SALT tokens, alone or alongside other coins.

Holding several coins?

Some lenders accept a mix of coins as collateral. Choose "Multiple coins" in the form.

Get Matched

Do you keep your coins on an exchange? That's common. If you go ahead, the lender will explain how to move your collateral into its custody arrangement. Which coins are accepted, how custody works, and where loans are available all vary by lender and by state.

Know the risks, in plain English

A crypto-backed loan can be a smart tool. It is still a loan, secured by an asset whose price can swing hard. Before you apply, make sure you understand these points:

Price drops can trigger a margin call. If your coin's price falls, the lender may ask you to add more collateral or pay down part of the loan, sometimes on short notice.
You could lose some or all of your coins. If you don't meet a margin call, or the price drops fast, the lender may sell (liquidate) some or all of your collateral to cover the loan. That can happen automatically, and it can happen at a bad price.
A liquidation may itself be a taxable event. If your collateral is sold, you may owe capital-gains tax anyway. Ask your tax advisor.
Your coins are held by the lender or its custodian. You won't control them while the loan is open. Read how each lender holds and protects collateral.
The lender makes all the decisions. Approval, loan amount, cost, and all other terms are set only by the lender. They depend on the lender's criteria and where you live. HODLoans does not make credit decisions and cannot guarantee you'll be approved or offered any particular terms.
Borrow only what you can manage. Have a plan for repaying the loan and for handling a sharp price drop.

What happens after you submit

We review your request

Your coins, your state, your borrower type and about how much you need.

We find your best option

We match you with the crypto-loan option we think fits you best.

You decide

Continue on the lender's own page, review its terms, and go ahead only if it's right for you.

Frequently asked questions

Is HODLoans a lender?

No. HODLoans is a referral service. We don't make loans, hold your crypto, or make credit decisions. We help you find a crypto-backed loan option that fits you, and you apply directly with that lender.

Does it cost anything to use HODLoans?

No. Using HODLoans is free and there's no obligation. We may receive compensation from a lender when we refer you.

Why would I borrow instead of selling?

Selling crypto that's gone up in value can create a capital-gains tax bill, and it ends your exposure to future price moves. Borrowing against your coins can get you cash while you keep them. Everyone's tax situation is different, so check with your tax advisor.

Which coins can I use as collateral?

We currently help holders of Bitcoin (BTC), Ethereum (ETH), Solana (SOL), XRP, USD Coin (USDC), Tether (USDT), and SALT, plus borrowers holding a mix of these coins. Which coins are accepted depends on the lender.

What are the rates and terms?

Each lender sets its own rates, fees, and terms, and they depend on your situation and the market. That's why we don't list them here. Once you're matched, the lender will show you its actual terms before you commit to anything.

My coins are on an exchange. Is that a problem?

No, that's very common. If you decide to go ahead with a loan, the lender will walk you through moving your collateral into its custody.

What happens if the price of my crypto drops?

The lender may issue a margin call and ask you to add collateral or pay down the loan. If you don't, or if the price falls quickly, the lender may sell some or all of your collateral. Read the lender's terms carefully before you borrow.

Will submitting the form affect my credit?

Submitting the HODLoans form does not involve a credit check by HODLoans. Whether a lender checks your credit, and how, depends on that lender. You'll learn that when you apply with them.

Is HODLoans available in my state?

Crypto-backed loans aren't offered in every state. Tell us your state in the form and we'll let you know what options exist where you live.

Bought Bitcoin years ago? Keep it, and still get cash.