Our best rates are one size fits all.
*Interests rates posted herein are subject to change and may not reflect current offerings. Any rates or promotions may be modified or discontinued at any time without notice. Restrictions apply.
10 Yrs
In bitcoin-lending
Zero
Customer funds lost
24-48hr
Typical funding
Live
Customer support
Other Lenders Save Their Best Rate for Their Biggest Customers
The starting rate
7.49%APR
Our headline APR, at 30% LTV on a 1-year term. Available at every loan size. No "volume tier" you have to hit before the number applies.
The lock in
Up to 5 yrs
Lock your rate for one, three, or five years. the lowest fixed rate bitcoin-backed loan in the US market.
The honesty
$0
No origination fees. No prepayment penalties. The APR is the cost. Nothing gets added at signing.
Multi year rates
Lock the rate for one, three, or five years.
Most lenders only offer Bitcoin-backed loans for twelve months or less — which means renegotiating every few months at whatever the market rate happens to be. We offer fixed-rate three- and five-year terms so long-term holders can stop refinancing.
| LTV Tier | 1-Year | 3-Year | 5-Year |
|---|---|---|---|
|
30% LTV
Conservative
|
7.49%
APR
|
8.24%
APR - fixed 3 yrs
|
8.49%
APR - fixed 5 yrs
|
|
50% LTV
Standard
|
8.75%
APR
|
9.50%
APR - fixed 3 yrs
|
9.75%
APR - fixed 5 yrs
|
|
70% LTV
Max liquidity | SALT Only
|
10.50%
APR
|
Not Offered
|
Not Offered
|
How it works
Apply, deposit, fund in as little as two days.
No lengthy paperwork, no waiting weeks. Just a straightforward process built for people who know what they want.
Apply
Under ten minutes. Standard KYC and identity verification — the same information any regulated lender requires.
Deposit
Transfer your Bitcoin to qualified, institutional-grade custody. Your assets are never rehypothecated.
Fund
Funds typically disbursed 24–48 business hours of loan approval to a bank account or stablecoin wallet of your choice.
Don't just take our word for it
See What our Borrowers Think of SALT
Common questions
Asked and Answered.
Re-pricing a loan product, and offering the headline rate at every loan size, tends to generate questions. Here are the ones we hear most.
Do I really get the same rate on a small loan that I'd get on a multi-million-dollar loan?
Yes. The rate you see in the table is the rate you’ll be quoted, regardless of loan size. We don’t run a volume-tier pricing schedule where the headline number is reserved for borrowers above a certain threshold. Whether you’re pledging Bitcoin against a smaller loan or a multi-million-dollar loan, the APR at your chosen LTV and term is the same number published on this page. Loan minimums vary by jurisdiction — your minimum will be confirmed at application.
What's the catch with the 7.49% rate?
There isn’t one in the way the question usually implies. 7.49% is our 30% LTV, 1-year rate. To get it, you accept two things: a conservative loan-to-value ratio (more collateral relative to loan size), and a 1-year term. If you want a higher LTV (more cash per dollar of Bitcoin) or a longer-locked rate, the APR is higher — but those numbers are also published in the table above. Nothing is hidden, nothing resets.
Is this only for Bitcoin loans?
No. While Bitcoin is the most common collateral on our platform, you can also pledge ETH, USDC, USDT, or SALT. The same published rates apply regardless of which asset backs the loan — your APR is determined by your chosen LTV and term, not by the type of collateral. If you hold a mix of supported assets, you can use a combination as collateral for a single loan.
Why offer multi-year fixed rates when most lenders don't?
Because long-term Bitcoin holders shouldn’t have to refinance every twelve months at whatever the market rate happens to be. A three- or five-year fixed rate gives borrowers certainty over the cost of holding their Bitcoin while they use the liquidity. It also means the rate you sign at today is the rate you pay in year five — not a teaser that resets.
What happens if Bitcoin's price drops?
If collateral value falls toward a margin call threshold, you’ll be notified well in advance and given options — pledge additional collateral, pay down the loan, or stabilize the position. Lower LTV tiers (30%, 50%) give you significantly more cushion before this becomes relevant. Liquidation is a last resort, not the default.
Where is my Bitcoin held while the loan is active?
Collateral is held with qualified institutional custodians. It is not lent out, not rehypothecated, not used to generate yield. It sits there as collateral until your loan is repaid, at which point it’s returned to you.
Are you licensed in my state?
SALT is available across most US states. Availability and specific terms depend on local lending regulations. You’ll see immediately during application whether your jurisdiction is supported.
What does "zero customer funds lost" mean?
“Zero customer funds lost” means that in our history of operation, no SALT customer has lost assets due to a platform failure, security breach, insolvency, or misuse of customer collateral. SALT has never rehypothecated customer collateral in a way that put it at risk, and customer assets have remained recoverable and accounted for.
One rate. Every size.
The full rate table is published above. When you’re ready, the application — including KYC — takes about ten minutes.
