Celsius Crypto Loans

Why sell your crypto assets when you can borrow against them at industry leading ultra-low lending rates (1% APR)? Celsius crypto loans allow users to borrow against their crypto for fiat or stablecoins, all within their mobile app.

Don’t sell your crypto… borrow against it! With lending rates as low as 1% APR and leverage up to 50% LTV, Celsius crypto loans presents a unique opportunity for users. You can HODL your assets while unlocking equity through crypto loans.

Platinum & paid in CEL0.75%5.21%6.71%
Gold & paid in CEL 0.85%5.91%7.61%
Silver & paid in CEL 0.90%6.26%8.06%
Bronze & paid in CEL 0.95%6.60%8.50%
* Please note that UK users can get 0% APR / 25% LTV loans for a limited time

Currently, you can only take out a loan using 1 asset as collateral. However, Celsius will be implementing multi-collateral loans soon (ability to use multiple assets as collateral for 1 loan).

Example using a 1,000 USDC stablecoin crypto loan:
Crypto Loan (USDC)1,000 1,000 1,000
APR 1.00% 6.95% 8.95%
Locked Collateral (USD)
not earning rewards
Total Interest
(12 months)
(paid in CEL)
(paid in CEL)
(paid in CEL)
(paid in CEL)

APR (annual percentage rate) is the annual rate charged for borrowing. LTV (loan-to-value) is the lending ratio of loan to collateral required.

Why take out a crypto loan through Celsius?

There are many reasons why you can consider a Celsius crypto loan. Here are some reasons in no particular order:

  • no origination fees
  • no credit checks
  • lowest industry borrowing rates
  • over-collateralized loans are safer
  • margin calls are not automatic; they are dealt with on a case-by-case basis by the Celsius loans team
  • lots of great APR options (1%, 6.95% or 8.95% APR)
  • safer LTV ratios (25%, 33% or 50% LTV)
  • ability to pay in CEL for Loyalty discounts (up to 25% discount on interest payments)
  • available in most jurisdictions
  • $100 USD minimum for stablecoin loans (reduced from $500 USD)
  • $15,000 USD minimum for fiat loans (reduced from $50,000 USD)
  • monthly interest payments (not daily or weekly)
  • minimum loan terms of 6 months
  • maximum loan terms up to 3 years (with the ability to self-extend)
  • easy refinance options
  • ability to close out loans at any time within the Celsius app (minimum of 6 months interest must be paid)
  • principal unlock is quick and efficient
  • Celsius crypto loan ‘reverse margin call’ (in the event that your collateral has increased in value, thereby allowing you to ‘unlock’ some collateral whilst keeping your crypto loan active)
  • over 40+ crypto assets are supported in the Celsius loan program
  • fiat or stablecoin proceeds including: USD, TUSD, GUSD, PAX, USDC, DAI and USDT
Reasons for borrowing against your crypto

Here are some general reasons why you would consider a crypto loan to unlock fiat or stablecoins:

  • consolidate debt (pay off high interest loans & mortgages with proceeds from a Celsius crypto loan with lower interest rates)
  • pay off mortgages or personal line of credits
  • pay off credit card debt
  • invest in other assets such as real estate, equities, businesses, VC, precious metals, retirement funds etc
  • invest in other crypto assets
  • emergencies and necessities such as rent, food, health/sickness, unexpected expenses, natural disasters etc

Please don’t take out a crypto loan for ‘doodads’ including clothes, cars, boats, vacation and things that you normally can’t afford to pay in cash and/or don’t help you financially. Remember that collateral used to secure a loan does not earn interest. So even if you are paying 1% APR, you are also losing reward interest between 2% – 17.88% APY.