In Your Best
Interest Rates

Use your assets as collateral and get a dollar loan at just 4.95% APR. *interest rates are subject to change

How Do Celsius Dollar Loans and Crypto Collateral Work?

Bob needs $33,000 to get his blockchain startup off the ground, so he joins the Celsius loan program. How much interest will he have to pay? Instead of depending on outdated credit scores, with Celsius it all comes down to the LTV (Loan-to-Value) Ratio. The more Bob can offer as collateral, the better the interest rate he can get. This also lowers his chance of a margin call (having to add additional crypto or pay off part of the loan).

If Bob puts down three times the loan value ($100,000) in crypto, he will pay only 6.95% annual interest* and he’d only have to face a margin call if Bob’s crypto lost 20% of its value.

*interest rates are subject to change

The chart below breaks down the same collateral amount of $100,000 with different loan amounts, which change the interest rate.

Bob
25k USD loan
100k crypto collateral
5 % Annual Interest
4.95%
Annual Interest
LTV: 25%
(You pay $1237.5 a year)
33k USD loan
100k crypto collateral
9 % Annual Interest
6.95%
Annual Interest
LTV: 33%
(You pay $2293.5 a year)
50k USD loan
100k crypto collateral
12 % Annual Interest
8.95%
Annual Interest
LTV: 50%
(You pay $4475 a year)

Loan Calculator

USD
Please enter valid amount

The collateral needed is calculated as approximately times the amount of money you want to borrow.

Selected Loan To Value amount-

For XRP and LTC collateral options 25% LTV is applicable only
For XRP and LTC collateral options 25% LTV is applicable only

Interest per month
(at APR)

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Total Interest
(-)

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interest

on a - loan you would pay - a year in interest

LTV

on a - loan you would deposit - as collateral

No Hidden Fees

We’re only interested in doing what is best for you

Here's an example

Loan Amount
-
Required -
-
(-)
Loan-to-value ratio
LTV
Interest rate
Interest per Month
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- Margin Call at
-

With Celsius, there are no hidden fees or extra costs. We try to make everything as simple as possible with no surprises in the fine print.

Put your crypto to work

For
Individuals

Get access to the dollars you need, without selling your crypto

Want to buy a car? Start a small business? Now you can get the value out of your digital assets without selling - at the lowest rates on the market!

  • Keep HODLing - get access to dollars without having to sell off your crypto. Pay off your loan and get all of your crypto back.
  • Killer Rates - good luck finding better interest rates anywhere. We’re committed to representing the coin HODLers, not milking customers for every penny.
  • Feel Good - In case the lowest interest rates weren’t enough, with Celsius Network, you can feel good about giving your money to company committed to doing what is best for its community.
  • Defer Capital Gains - since you’re taking a loan, not selling your crypto, you can defer any Capital Gains taxes that may have been incurred
    ...

    Please consult a tax professional or other financial advisor about your specific tax situation and portfolio

  • Diversify - putting some of your crypto into dollars or other coins is a great way to diversify your portfolio while still holding on to your BTC and ETH
    ...

    Please consult a tax professional or other financial advisor about your specific tax situation and portfolio

  • No Credit Check - we don’t care what your credit score is because we’re using your crypto as collateral to secure the loan

  • Get Liquid - you may be sitting on lots of crypto but you still need access to dollars in order for your company to avoid cash flow issues
  • Killer Rates - good luck finding better interest rates anywhere, we’re building a community, not milking our customers for every penny
  • Defer Capital Gains - since you’re taking a loan, not selling off your assets, you can defer any Capital Gains taxes that might be incurred
  • Diversify - putting some of your crypto into dollars is another way to manage risk while still holding on to your BTC and ETH

A Bit More About Margin Calls and LTV

The LTV, or loan-to-value ratio, is your loan amount divided by the amount of collateral you deposited. We recommend a low LTV not just for the lower interest rates, but to ensure that we would never be required to execute a Margin Call if the value of your assets falls dramatically.

We monitor the market minute-by-minute. If large fluctuations in the market occur, we will notify you as soon as possible, just so you’re aware.

If your collateral drops in value too much (by more than 20%), you’ll have a couple of options to bring your LTV back within the limits:

Pay Back

Pay back a portion of the loan

Deposit

Deposit more digital assets

Sell

Sell a portion of your collateral to pay off part of the loan

We will do our best to notify you of a potential Margin Call with as much notice as possible so you will have time to decide between your options.

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