Yes. At SALT, loan support answers at +1 (800) 931-1259 and +1 (720) 457-2288, Monday through Friday, 9AM to 5PM MST, from our office in Denver, Colorado. Technical support answers at +1 (720) 575-2272 during the same hours. Outside those hours, Lendy, our 24/7 AI assistant, handles the questions that do not require account access.
That combination is deliberate. Speed for the simple things, a real person for the consequential ones. Below is how support actually works at SALT, and a short checklist for evaluating support at any crypto lender you are considering.
Why Support Matters More on a Crypto-Backed Loan
A fixed-rate auto loan is a set of numbers that do not move. You make the payment, the balance falls, and you may never contact the lender at all. A crypto-backed loan is different because one side of the equation is live. Your collateral is priced by the market every second of every day, which means the loan-to-value ratio on your account changes even when you do nothing.
That creates a category of question that simply does not exist in traditional lending:
- Bitcoin dropped sharply overnight. Where does that put my loan-to-value ratio, and how much collateral would bring it back to a comfortable level?
- I want to add collateral today. Which assets can I send, and to which address?
- I want to pay off early. What does the payoff figure look like today, and how quickly does my collateral come back?
- I moved to a different state. Does that change anything about my loan?
Those are not questions a search bar answers well. They depend on your balance, your collateral mix, your term, and your jurisdiction. Getting them wrong can be expensive, and getting an answer late can be worse than getting no answer at all.
The Chatbot Question, Answered Honestly
SALT uses AI in support. Lendy, our 24/7 AI assistant, is available on the site and is currently in beta. We are not going to pretend otherwise, and we are not going to argue that AI has no place in financial services. Used well, it is genuinely useful. Lendy can explain how loan-to-value works, walk through the application steps, point you to the loan calculator, and answer the sort of question that has the same answer at 2AM as it does at 2PM.
What we do not do is make a chatbot the only door. The failure mode everyone has experienced is not that AI exists. It is that AI is used as a wall, with no path to a person behind it, on questions where a person is the only correct answer. When money is moving and collateral is on the line, an escalation path is not a nice extra. It is the product.
So the rule at SALT is simple. AI handles information. People handle decisions. Here is how that plays out in practice:
| What You Need | Best Channel | Why |
|---|---|---|
| General questions about rates, terms, or how loans work | Lendy, our 24/7 AI assistant, or the FAQ library | Instant, available at any hour, and no queue for information that does not change by the minute |
| A payment, payoff, or collateral question on an active loan | Loan Support by phone or email | These involve your specific balance and schedule, so they need a person looking at your account |
| A margin event or a question about adding collateral | Loan Support by phone | Time sensitive and specific to your loan-to-value ratio and collateral mix |
| Login trouble, two-factor issues, or app errors | Technical Support by phone, email, or a ticket | Account access problems often need identity verification before anything can be changed |
| Structuring a larger or business loan before you apply | Schedule a call with the sales team | A scheduled call gives you a real conversation about amount, term, and collateral instead of a form |
How to Reach a Real Person at SALT
Every channel below is published, current, and staffed by SALT employees. There is no premium tier you have to buy to reach a human.
Loan Support: +1 (800) 931-1259 or +1 (720) 457-2288, or email [email protected]. Phones are staffed Monday through Friday, 9AM to 5PM MST. Use this for anything touching an active loan, including payments, payoffs, collateral, and loan-to-value questions.
Technical Support: +1 (720) 575-2272, or email [email protected]. Staffed Monday through Friday, 9AM to 5PM MST. Use this for login problems, two-factor authentication, app issues, and anything blocking access to your account.
Support Ticket: Submit a ticket from our Contact Us page and a support professional will follow up by email. Useful when your question includes screenshots or documents.
Sales Team: Email [email protected] or schedule a call from the Contact Us page. This is the right starting point for a larger personal loan, a business loan, or a private client structure you want to talk through before applying.
Lendy, our 24/7 AI assistant: Available any time for general product and process questions, with our full FAQ library behind it.
SALT has been lending against digital assets since 2016, through more than one full market cycle. The people answering the phone have watched borrowers manage loans through rallies, drawdowns, and everything between.
What Our Team Helps Borrowers With
The most common reasons borrowers reach out to a person, roughly in order:
- Running scenarios before applying. How much can I borrow against this amount of collateral, what would the payment look like, and what happens if the market moves against me?
- Understanding loan-to-value and margin events. Where the thresholds sit, what triggers a notification, and what your options are when one arrives.
- Collateral management. Adding collateral, understanding which assets are accepted, and confirming transfers landed correctly.
- Payoffs and refinancing. Getting a current payoff figure, understanding the timeline for collateral release, and weighing whether extending makes sense.
- Product fit. Whether SALT Shield or Stabilization is appropriate for your situation, and what each one changes about how your loan behaves.
- Business and entity borrowing. Documentation requirements and structure for companies, treasuries, and family offices.
Five Questions to Ask Any Crypto Lender Before You Borrow
Use these on us, and use them on everyone else you are considering. The answers tell you a great deal about what happens when something goes wrong.
- Is there a phone number, and who picks it up? A published number with stated hours is a meaningful commitment. No number at all, or a number that only reaches a recording, tells you the escalation path is email and hope.
- What is the escalation path from the chatbot? Ask directly. If the honest answer is that there is no path to a person, you know what support looks like on your worst day.
- How will the lender reach you when something changes on your loan? Margin notifications, maturity reminders, and rate changes need to arrive through a channel you actually check. Ask what triggers a notification, how it is delivered, and whether you can reach a person immediately after receiving one.
- Is the lender licensed where you live? Availability varies by jurisdiction. A lender should be able to tell you plainly whether they can lend in your location, and point you to a list.
- Can you get a payoff quote in writing? If getting a clear number out of a lender is difficult before you borrow, it will not get easier later.
What Support Cannot Do
Being useful means being clear about limits. Our team will not:
- Predict where Bitcoin or any other asset is going. Nobody can, and anyone who says otherwise is selling something.
- Give you tax, legal, or investment advice. We can explain how a SALT loan works. Whether it is right for your financial picture is a conversation for your own advisors.
- Guarantee approval, a rate, or a term before underwriting. Quoted figures are subject to qualification, jurisdiction, collateral type, and market conditions.
- Override the terms of a signed loan agreement. What we can do is walk you through your options within those terms, and there are usually more of them than borrowers expect.
Borrowing against volatile collateral carries real risk, including the risk of losing collateral. A good support team helps you understand that risk before you take it on, not after.
Frequently Asked Questions
Does SALT have a customer service phone number?
Yes. Loan support is reachable at +1 (800) 931-1259 and +1 (720) 457-2288. Technical support is reachable at +1 (720) 575-2272. Both lines are staffed Monday through Friday, 9AM to 5PM MST.
What are SALT support hours?
Phone and ticket support run Monday through Friday, 9AM to 5PM Mountain Standard Time. Lendy, our AI assistant, is available 24 hours a day for general questions, and the FAQ library is always accessible.
Can I talk to someone before I apply for a loan?
Yes, and we recommend it for larger or more complex loans. You can schedule a call with the sales team from our Contact Us page. There is no obligation to apply, and no cost to have the conversation.
Is Lendy a real person?
No. Lendy is an AI assistant, currently in beta, and we label it clearly as such. It is built for instant answers to general questions about SALT products and the loan process. For anything involving your specific account, balance, or collateral, contact loan support directly.
Who do I contact during a margin event?
Call loan support at +1 (800) 931-1259 or +1 (720) 457-2288 during business hours. If a margin event occurs outside business hours, you can still act inside your account by adding collateral or making a payment, and support can review the situation with you when the lines open. Understanding the thresholds before one happens is the best preparation.
Does SALT support borrowers outside the United States?
Yes. SALT lends in a number of jurisdictions beyond the United States, including several in Europe, Asia, South America, and Oceania. Availability changes over time, so check the current list at saltlending.com/map-list before you apply.
What email addresses can I use to contact SALT?
SALT publishes three. Use [email protected] for anything involving an active loan, including payments, payoffs, and collateral. Use [email protected] for technical and account access issues. Use [email protected] for questions before you apply. If you are not sure which fits, loan support will route you.
How do I submit a support ticket?
Go to the Contact Us page and use the ticket submission link. A support professional will follow up by email. Tickets are a good fit when your question involves documents, screenshots, or a detailed account history.
Talk to Someone Before You Borrow
A crypto-backed loan is a decision with real consequences on both sides of the balance sheet. It deserves a conversation, not a form. Run your numbers in the loan calculator, then call us and tell us what you are actually trying to accomplish. If a SALT loan is not the right tool for it, we would rather tell you that on the phone than after you have signed.
Loan Support: +1 (800) 931-1259 | Technical Support: +1 (720) 575-2272 | Monday through Friday, 9AM to 5PM MST
Disclosures
This content is provided for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Nothing here should be construed as an offer, solicitation, endorsement, or recommendation regarding any security or digital asset. You are encouraged to conduct your own research and to consult your financial, tax, or legal advisors before making any borrowing decision.
Support channels, phone numbers, and office hours are current as of publication and are subject to change. Availability of support does not guarantee approval, specific loan terms, or any particular outcome on a loan.
Loan terms may vary or may not be available in your jurisdiction, for your requested loan amount, and/or preferred collateral type. SALT loans are subject to jurisdictional limitations and other restrictions, and SALT does not offer loans to all prospective borrowers. For the current list of jurisdictions where SALT can lend, visit saltlending.com/map-list. Additional terms, conditions, requirements, suitability, and screenings, among other restrictions, may apply at the sole discretion of SALT.
Annual percentage rates, loan terms, and product features are subject to change. Borrowing against collateral entails risk, including the risk of losing collateral, and may not be appropriate for your needs. Digital currency is not legal tender, is not backed by the United States or any other government, and SALT accounts are not subject to FDIC or SIPC protections.
SALT loans are originated by SALT Lending LLC (f/k/a SALT Master Fund II, LLC), NMLS 1711910. See SALT’s Licenses page for additional license information and applicable state notices.
