You can now own equity in Celsius by participating in our A-round of funding on BnkToTheFuture. Learn more here!

Cel token is now available on

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Borrow Cash Against Your Crypto

Get the cash you need at rates you deserve without selling your crypto.

Select your collateral type


Minimum loan amount $1,000


LTV (Loan to Value)


Loan Term

6 Months
1 Year
2 Years
3 Years

Interest Rates

Pay interest with CEL

By choosing to pay your loan interest in CEL token, you can receive up to a 30% discount on your interest payment.




Per Month



Pay interest with Fiat




Per Month



In Your Best Interest Rates

Loans starting at $1,000

Interest rates from 3.47% APR

Terms from 6 months - extend at any time!

Loan-to-Value (LTV) Loan-to-Value (LTV) is a ratio of the amount of money you'd like to borrow (Loan) and the amount of collateral you want to provide (Value). The LTV percentage is calculated by dividing the USD value of your loan by the USD value of your collateral. at 25%, 33%, or 50%

Zero fees or penalties

mobile info

Apply For A Loan In 60 Seconds Or Less.

Borrow dollars or stablecoins at the lowest rates in the industry, guaranteed!

We lend so you can spend.

Don’t sell your crypto - borrow against it!

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Defer Taxes

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Buy Crypto

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Travel the World

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Debt Refinancing

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Emergency Funds

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Make a Down Payment

People love us!

I’ve been a supporter of Celsius since day 1. The transparency and security makes me feel that my value is well protected. The team is easily accessible and always there to answer my questions.  Cannot say enough good things! And of course the founder Alex Mashinsky is a beast!


Celsius makes saving fun and practical, allows me to see the end of the financial tunnel!

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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