Providing a Path to Refinance Current Celsius Loans

Intrigued Already? Complete our survey form below if so!
Complete the survey form

SALT is committed to creating a good outcome given the current situation.

The key benefits of the proposal include:

Providing a clear path to refinancing current Celsius loans at attractive market rates.


Helping to manage a possible loss of collateral, loss of liquidity, and related tax consequences.


Enabling a streamlined operational process for settling the loans and distributing the crypto collateral.

We’d like to hear from you, if you’re interested!

SALT is pleased to introduce a structured proposal for refinancing loans of Celsius borrowers who wish to participate.

This plan is designed to create a win-win-win situation for all stakeholders, including the Debtor, the Unsecured Creditors Committee (UCC), and Celsius Creditors, by streamlining the process of paying back the principal on outstanding loans as part of the Plan becoming effective.

We know this journey has been an emotional roller coaster, but please complete this form below and let us know if you’re interested.

Proposed Loan Terms

Title Details
Structure Term loan with interest-only payments
Term 12 months
Borrower Eligibility Eligibility is determined on a case-by-case scenario subject to KYC/AML requirements and varies based on the amount of the loan
Jurisdictional Eligibility Loans are available except in certain jurisdictions listed on our Ineligible Jurisdictions page
Initial Collateral Requirements 75% LTV maximum LTV post refinance
NOTE: loans w/ 75-85% LTV will be reviewed on an individual basis.
Pricing 50% LTV - 10.95% APR*
70% LTV - 11.95% APR*
*APR is inclusive of interest and administration fees
Discounts Up to 0.75% interest rate reductions based on total participation
Fees 0% - prepayment, custody, and withdrawal fees
1% - Administration Fee
Prepayment option Loan is repayable at any time with no penalty
Interest treatment Elect to make monthly payments of interest, or you can accrue the interest and pay at maturity. You can pay via wire, stablecoin, or with collateral held in the account (aka PIK)
Payment Options You can pay via wire, with stablecoin, or with collateral held in the account
Reverse Margin call Collateral is withdrawable at any time with no fee so long as you do not exceed the LTV at origination threshold
Margin Notifications 75% - courtesy notice - no action required. 83.33% - margin notice you are encouraged to deposit additional collateral. 90.91% - collateral is converted to stablecoins
Stabilization Each loan is automatically Stabilized if your LTV should exceed 90.91% - once you have returned the LTV to 83.33% you'll be able to convert the stablecoin back into BTC/ETH at your convenience
Refinancing All loans are eligible for refinancing at any time subject to current rates and fees
Renewals After the initial 12 months, all loans that are within 5% of the original LTV at the end of the initial 12 month term, are eligible for automatic renewal with the same rates and the Admin fee will be waived for the first renewal
A complete summary of rates and fees for each individual loan is provided in your loan application.
*Available rates and terms are subject to change and may vary based on loan amount, qualifications, jurisdictions, and collateral profile. Other terms, conditions, and restrictions may apply.
Schedule a call
Learn more about our terms & conditions here

5 Steps to Participate in our:


Complete Our Survey

Complete the form below enter your Celsius information, then click SUBMIT.

Create a SALT Account*

After you have completed the survey, you will receive an email with an invitation to open a SALT account.

Verify your ID

As a regulated lender in the US, this is a required step. To be able to expedite this process quickly, be sure to have your passport, drivers license, or government issued ID readily available.

Execute Loan Agreement

Once your ID has been verified, a SALT loan officer will be in contact with you to complete the required documents.

Close Your Refinancing

Once the loan is funded, you will receive your payout to the specified address.
*If you are an existing SALT customer, please create a new Account to enable us to provide you a new loan specifically for the refinancing of your Celsius loan.
By completing this form you agree to receive marketing communications from SALT. The form is not an application for a loan and does not guarantee that you will receive a SALT loan. SALT loans are subject to eligibility requirements, including geographic and suitability limitations. Shared personal information is subject to SALT's Privacy Policy.

This website is not associated with the ongoing bankruptcy proceedings relating to Celsius Network LLC and affiliates. If you are looking for information relating to a potential claim in such proceedings, please be sure to speak to your legal or financial advisor.

If you have more than one active loan, please submit this form for each loan.
We appreciate your interest in SALT's Celsius Refinance Solution.
Please reach out if you have any additional questions on this solution.
Schedule a call

What Our Customers Are Saying

"Tyvm for your speedy reply that my account is "all set" & to wait for further email this week...

I am very happy & satisfied with Justin & SALT Lending customer service support & looking forward to re-financing with SALT Lending..."
Chye Teck T.

Don’t Miss our “X” Spaces for More Info!

SALT is holding “X” Spaces often to provide an opportunity for our interested Celsius Creditors to chat with the team on this solution.

Follow us on “X” (Formerly Known As “Twitter”) for a chance to Ask Us Anything, learn more, or simply listen in!

Follow us on YouTube to listen to shorts from our "X" spaces/