Get Dollars,
Keep Your Crypto

Use your assets as collateral and get a dollar loan at just 5% APR. *interest rates are subject to change

Loan Calculator

Please enter valid amount bigger then $5000

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 20% LTV is applicable only
For XRP and LTC collateral options 20% LTV is applicable only

Interest per month
(at APR)


Total Interest



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


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
Interest rate
Interest per Month
- 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.

How Do Celsius Dollar Loans and Crypto Collateral Work?

Bob needs $33,000to 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 Instead of depending on outdated credit scores, with Celsius it all comes down to the LTV (Loan-to-Value) Ratio.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 9% 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.

20k USD loan
100k crypto collateral
5 % Anual Interest
Anual Interest
LTV: 20%
(You pay $1.000 a year)
33k USD loan
100k crypto collateral
9 % Anual Interest
Anual Interest
LTV: 33%
(You pay $2970 a year)
50k USD loan
100k crypto collateral
12 % Anual Interest
Anual Interest
LTV: 50%
(You pay $6000 a year)

Put your crypto to work


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 of 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 more digital assets


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.


How do I pay off my loan in dollars?

The principal of the loan will be paid at the end of the loan term with an ACH. Want to pay back early? No problem! We do not charge any fees for early termination of a loan.

Where do my coins actually go?

We deposit your coins/tokens with trusted custodians like BitGo as well as major exchanges. If your coins are being borrowed, the borrower must provide full cover with cash collateral secured in an FDIC insured account.

What happens if my crypto collateral assets drop sharply in value while I have a loan?

To protect the community, we will set limits to balance out lending as much as possible against margin calls. Once the value of your collateral drops below the agreed level (usually between 20-50% of the currency’s value at the date of execution) you will be notified by text and email that you can either: 1) Deposit any accepted coins into your wallet to increase your collateral 2) Pay down the loan by depositing USD funds via ACH or 3) Sell some of your coins.

Will you sell my crypto, which is held as a collateral, without asking me?

In some extreme cases we may. If you do not respond and your collateral continues to drop in value we will sell a portion of your coins. If the value of your collateral continues to fall you may receive additional notifications.

How much collateral is needed to get a cash loan, and how does this compare to competitor platforms?

We plan to allow people to start borrowing dollars once they have deposited at least $300 worth of accepted cryptocurrency. Based on the volatility of the coin, the amount a member can borrow will vary between 20-50% of the value of the coin. We aim to keep the minimum deposit as low as possible to remove any barriers to entry.

Do I pay interest on my loan in dollars or CEL?

Customers will take a loan in dollars and pay it back in dollars. The interest will be paid in BTC, ETH, or CEL.

How long term are these loans?

Our standard loan is based off a one year term. However, there is no penalty for early termination.

What are the interest rates on cash loans?

Our interest rates depend on your chosen Loan-to-Value (LTV) ratio. The range is 5-15% interest with a LTV of between 20% and 75%.

How and when is the interest paid when I borrow cash against my crypto?

Interest will be paid monthly in ETH, BTC, or Cash. In the future, interest will be able to be paid in the CEL token.

How is storing with Celsius safer than storing in cold storage?

We diversify the assets across multiple platforms, such as cold storage (BitGo), institutional exchanges, and short orders, in which case we have 120-150% of the dollar value in an FDIC-insured bank account.

How and where are the coins traded?

The coins will be deployed in a number of ways, the most common being used in margin lending and shorting. We use the interest and fees borrowers and shorters pay us to pay you interest.

How are my coins secured?

They are held in encrypted accounts and once deployed (lent out), they are backed by cash collateral to ensure the lender is always protected.

Who is your (cold storage) custodian?

BitGo and other top custodians.

Do you use my coins as working capital?

No, none of the cryptocurrency we hold from our members is used as working capital for the company.

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