Your Bitcoin Is Built for the Long Game.
Now, Your Loan Can Be Too.
Introducing 3 and 5-year Bitcoin loans. Unique, long-term options built for every market cycle. Now offered in addition to our 1-year loan, so you can borrow confidently without selling your Bitcoin.
Why Long-Term Bitcoin Loans Matter Now
Most lenders still max out at 1-year terms. At most they stretch to 2 years.
Bitcoin doesn’t follow 1 or 2-year schedules. Bitcoin moves in cycles.
And that takes time: 3 to 5 years of it.
That’s why we created SALT’s Long-Term Loan Option, designed for Bitcoin HODLers who think in halvings, not quarters.
A 3 or 5-year Bitcoin loan gives you space to:
- Ride out bear markets
- Stay exposed through the recovery
- Position for the next bull run
- Avoid forced decisions during volatility
- Keep your stack intact
Are you long on Bitcoin?
Now your liquidity strategy can be too.
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
|
The Loan Flexibility Borrowers Have Been Waiting For
Long-Term Liquidity You Can Actually Plan Around
Big life moves don’t fit into a single year: house buying, business growth, consolidating debt, buying dips, diversifying.
A long-term loan finally gives you breathing room.
Borrow Through Bitcoin Cycles
3 to 5 years = one full Bitcoin market cycle.
Borrow once. Stop timing the market. Stay long.
Maintain clarity, protect your position, and let long-term conviction guide every decision along the way.
Predictability When Everything Else Is Volatile
Fixed terms. Clear rates.
Conservative LTV. Plus, SALT Shield® for no-liquidation protection.A True Competitive Moat
The longest loan most lenders offer is: 1 year, 2 years if you’re lucky.
SALT now lets you borrow for 1, 3, or 5 years.
Why HODLers Choose SALT
Stay Long and Keep Exposure to Bitcoin’s Upside
Borrow without selling. Keep long-term compounding potential on your side.
Strategically Manage Potential Capital Gains Taxes
Avoid triggering taxable events while still accessing the liquidity that supports your goals.
Access Essential Liquidity for Your Real-Life Needs
Buying a home. Expanding a business. Paying off debt. Or yes, stacking more Bitcoin when the price is down.
Proudly Serving Bitcoin Holders for Nearly a Decade
No collateral losses since 2016. No rehypothecation. Trusted custodians. Battle-tested across multiple Bitcoin cycles.
The Original Bitcoin-Backed Loan
Crypto-backed, not credit-based
Unlike traditional loans that rely on your credit score, SALT offers loans backed by your cryptoassets, meaning you can borrow without impacting your credit. We call that the smarter way to get cash, preserve your crypto, and take advantage of your crypto holdings.
Rates starting at
7.49%
Term duration
1/3/5
Borrow up to
70% LTV
Prepayment Fees
None
Trusted & Secure Since 2016
SALT, the original Bitcoin lender and trusted provider since 2016.
Expansive National & Global Presence
Largest licensed provider in the US + global coverage.
Proven Track Record of Success
Securely held collateral with zero customer losses.
Don’t just take our word for it, see what SALTINEs are saying...
Assets We Accept
We accept the following cryptocurrencies including Bitcoin and Ethereum. Combine multiple cryptocurrencies to borrow funds in USD or Stablecoin.
Apply for a multi-year Bitcoin loan today!
