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Loan Calculator

Calculate your loan using the amount you want to borrow or the amount of crypto collateral you have.

Select your collateral type


Minimum loan amount $1,500


LTV (Loan to Value)


Loan Term

6 Months
1 Year
2 Years
3 Years

Interest Rates

Pay interest with CEL

By chosing to repay your loan in CEL token, you can recieve up to a 30% discount on your interest repayment.




Per Month



Pay interest with Fiat




Per Month



The Best You Can Get

Celsius guarantees the lowest interest rate on crypto-backed loans. We offer three options depending on the amount you’d like to borrow.

Here is an example given $100,000 worth of Bitcoin.

Loan Value


Monthly Interest Payment


Annual Interest Rate


* Interest rates are subject to change

Cash Loans

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Fee Free

No termination fees, no prepayment fees, no transaction fees. No fees. Ever.

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Benefit the Community

The interest you pay on your loan is distributed amongst Celsius wallet users every week. Feels good, right?

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Flexible Rates

With three loan options, Celsius allows you the flexibility to choose the loan that works best for you.

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No Credit Check

We don’t care if you’ve opened a credit card or are crippled by student loans. By staking your crypto as collateral, your banking history doesn’t matter to us.

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Cash or Stablecoin

We can wire you cash or send you stablecoins such as USDC, USDT, GUSD...

Things You Should Know

Due to local and international laws and regulations, some Celsius Network app features are currently unavailable to users based on residency and physical location. No Celsius Network features are available to users in (or who reside in) Cuba, North Korea, Sudan, Syria, Iran, Lebanon and other territories identified as involving high compliance risks. Celsius services are not intended to be used by users in (or who reside in) Japan, New Zealand, Israel and any other jurisdiction which may limit or forbid the use of our services. CelPay is unavailable to users in (or who reside in) Alabama, Arkansas, Connecticut, Florida, Georgia, Hawaii, Iowa, Kentucky, Maine, Massachusetts, Mississippi, New Mexico, New York, North Carolina, Ohio, Oregon, South Carolina, South Dakota, Vermont, Washington, West Virginia. Interest Earning is unavailable to users in (or who reside in) New York and Washington. Earn Interest on Stablecoins is unavailable to users in Texas. Borrow Dollars is unavailable to users in (or who reside in) California, Delaware, Georgia, Indiana, Maryland, Mississippi, Missouri, Montana, Nevada, New York, Ohio, Rhode Island, South Dakota, Tennessee, Vermont, Washington. USD Loans have some restrictions to users in Alabama, Arizona, Arkansas, Iowa, Kentucky, Michigan, Minnesota, New Mexico, North Dakota, Pennsylvania, Utah. For more information about these restrictions, please email

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