SALT Lending’s Bitcoin Loan Calculator
Get an instant estimate of how much cash you can borrow against your bitcoin before you apply. No credit check. No obligation.
Loan Calculator
Our intuitive loan calculator is powered by the same cutting-edge technology behind the SALT app. It’s designed to help individuals and businesses assess Bitcoin-backed loans with ease, giving you instant access to real-time estimates.
The SALT Lending Loan Calculator is provided for informational purposes only and is not intended as financial, investment, or legal advice. The results generated by the calculator are estimates based on the information provided and may vary depending on market conditions, loan terms, and other factors. SALT Lending makes no representations or warranties regarding the accuracy, completeness, or reliability of the results. By using the calculator, you acknowledge that you are solely responsible for your financial decisions and that SALT Lending is not liable for any outcomes resulting from your use of this tool. Loan availability, terms, and approval are subject to SALT Lending’s policies and applicable laws.
How Bitcoin Loans with SALT Work
Easily Apply in Less than 5 Minutes
Create a free SALT account and choose your loan terms. No credit checks.
Post Your Bitcoin as Loan Collateral
We safeguard your assets with institutional-grade custody.
Get Cash Without Selling Your Bitcoin
Once approved, your loan should be funded in 24-48 business hours.
Why Choose SALT Lending for Bitcoin Loans
Trusted Since 2016
We’re the original pioneers of Bitcoin-backed lending, and we’ve stayed committed to doing it right.
No Hidden Fees
No penalties for early repayment. No credit checks. No early withdrawal fees.
Proven Track Record
Thousands of loans processed. Millions secured. Zero customer collateral losses. SALT is built for peace of mind.
Unmatched Security & Trust
No rehypothecation. Trusted industry-leading custodian partnerships. Proven risk management.
Smart Liquidity. Not Liquidation
You don’t have to choose between HODLing and living. SALT lets you do both.
Flexible Repayment Options
Principal & Interest or Interest Only monthly payments. Refinance at anytime and as often as you’d like.
What Can You Use a Bitcoin Loan For?
Life's Big Moments
Fund life’s big purchases, like buying a car or planning a dream vacation.
Adventures
Unlock the cash to pursue your next adventure, while keeping your assets.
Daily Expenses
Access liquidity for everyday expenses without selling your crypto.
Investments
Reinvest in crypto or other opportunities, accessing leverage without liquidating.
Rainy Day Fund
Have liquidity on hand for life’s unexpected challenges.
Financial Management
Consolidate high-interest debt. Save on interest while maintaining your holdings.
Bitcoin Loan vs. Selling: What’s the Real Cost?
Let’s say you sell 1 BTC today at $118,000.
If Bitcoin hits $400,000 in the next few years, you’ve lost $282,000 in potential upside, plus you could owe taxes on the gain from when you sold.
Borrow instead. You keep your BTC. You stay exposed to growth. And you still get the cash you need today.
Check Your Bitcoin Loan Borrowing Power Now
SALT Bitcoin Loan Frequently Asked Questions
Is there a minimum loan amount?
Yes. $5,000 is our standard minimum. For larger loans, we offer custom options.
Can I repay my loan early?
Absolutely, and there are no prepayment penalties.
What happens if the price of Bitcoin drops?
We have several options from our Stabilization feature, traditional liquidation, and SALT ShieldTM, the No-Liquidation Solution. We also have a robust notification system to alert you when the market dips.
How long does it take to receive funds?
Most loans are funded within 24–48 business hours after approval.
What happens to my Bitcoin while I borrow?
Your BTC is secured with top-tier custodians and never rehypothecated.
Where can I receive my loan funds?
Choose from bank transfer, USDC, or USDT, depending on your location.
Do you do credit checks?
No. Your Bitcoin is your credit.
