775 227-4604
| Loan minimum | $5000, no minimum for international borrowers |
| Interest rate | Starting at 12.5% (12.5% to 16.73% APR), interest deferred payments available |
| Max initial LTV | 75% |
| Max LTV | 90% |
| Term | 12 months, no prepayment fees |
| Eligible collateral | BTC or ETH |
| Disbursement | USD or USDC |
Access funds quickly, all while keeping your crypto holdings intact.
| Access funds | Crypto-backed Loan | Personal Loan |
|---|---|---|
| Opportunity to grow your crypto portfolio | ✔️ | ❌ |
| Lower interest rates | ✔️ | ❌ |
| Lower origination fees | ✔️ | ❌ |
| Flexible terms | ✔️ | ❌ |
| No prepayment fees | ✔️ | ❌ |
| Focused on helping you HODL | ✔️ | ❌ |
At HODL Loans, we believe in empowering crypto holders to unlock the true potential of their assets without having to sell. Founded by a team of blockchain enthusiasts and financial experts, we provide secure and flexible crypto-backed loans, giving you fast access to liquidity while you continue to hold your crypto.
All Crypto is stored in an MPC Wallet (Multi Party Computation) meaning you still hold a key, as does Figure Markets and Anchorage, the custodian. This prevents any re-hypothecation of your coins and remains available as collateral or returned to you upon payoff of the loan.
HODL your crypto. Unlock your liquidity. Let us help you leverage your digital wealth today.
Complete registration to easily return to your application.
Choose your desired terms and securely deposit required collateral.
Receive cash instantly, directly in your bank account.
At HODL Loans, we make borrowing against your cryptocurrency simple and secure. Follow these five easy steps to unlock cash without selling your crypto:
Step 1: Select Your Cryptocurrency as Collateral
Start by choosing which cryptocurrency you want to use as collateral. We accept popular options like Bitcoin (BTC) and Ethereum (ETH). The value of your loan is based on the current market value of your selected crypto.
Step 2: Choose Your Loan Amount and Repayment Term
Next, decide how much you want to borrow. Based on the value of your crypto, you can borrow up to a specific percentage (Loan-to-Value or LTV) of its worth. We offer flexible repayment terms ranging from 3 to 12 months, so you can choose the option that fits your financial needs.
Step 3: Deposit Your Crypto to Secure the Loan
Once you’ve selected your loan amount and term, deposit your cryptocurrency into our secure, insured wallet. All Crypto is stored in an MPC Wallet (Multi Party Computation) meaning you still hold a key, as does Figure Markets and Anchorage, the custodian.
Step 4: Receive Cash Instantly in Your Bank Account
After you deposit your crypto, we’ll process your loan immediately. You can receive the cash directly in your bank account within minutes, giving you instant access to liquidity without needing to sell your crypto assets.
Step 5: Repay the Loan and Get Your Crypto Back
Repay the loan according to the agreed terms. Once the loan is fully repaid, your crypto is returned to you in full. If the value of your crypto has increased during the loan period, you still benefit from the price appreciation. It’s that simple!
-Robert Adams