Why Choose Crypto-Backed Loans?
Access liquidity without selling your cryptocurrency. Enjoy competitive rates, fast approval, and the flexibility to keep your digital assets while meeting your financial needs.
Same-Day Approval
Get approved in hours, not days or weeks. Our streamlined process means you can access funds when you need them most, without lengthy waiting periods.
No Credit Score Required
Your eligibility is based on your crypto collateral, not your credit history. Perfect for those with limited credit or who want to preserve their credit utilization.
Keep Your Crypto
Continue to HODL and benefit from potential appreciation. If your crypto value increases, you still own 100% of those gains while accessing liquidity.
Competitive Rates
Starting at just Competitive Single-Digit Rates with flexible payment options. Choose interest-only payments or defer interest until maturity.
Secure & Decentralized
Your crypto is stored in segregated, decentralized custody vaults with MPC security. Never rehypothecated or used for other purposes.
Fast Funding
Receive your funds within 24 hours of collateral confirmation. No waiting weeks for underwriting or approval committees.
Minimal Documentation
No tax returns, bank statements, or financial statements required. Just basic information and your crypto collateral.
Trusted Provider
Backed by Figure Lending LLC with $9B+ in funded loans and a A+ BBB rating.
Flexible Terms
Choose from various loan terms and payment structures. Pay off early without penalties or extend your term as needed.
Crypto Loans vs. Traditional Loans
See how crypto-backed loans compare to traditional financing options
| Feature | Crypto-Backed Loans | Traditional Loans |
|---|---|---|
| Approval Time | Same Day | 2-4 Weeks |
| Credit Check | Not Required | Required |
| Documentation | Minimal | Extensive |
| Funding Speed | 24 Hours | 1-2 Weeks |
| Keep Assets | Yes | N/A |
| Interest Rates | Starting in the 8's | 10-30%+ |
| Prepayment Penalty | None | Often Yes |
Common Use Cases
How our customers use crypto-backed loans
Real Estate Investment
Use your crypto to fund down payments or investment properties without liquidating your digital assets.
Business Expansion
Access working capital for your business while keeping your crypto portfolio intact and growing.
Tax Optimization
Avoid triggering capital gains taxes by borrowing against your crypto instead of selling.
Emergency Expenses
Cover unexpected costs quickly without selling your crypto at an inopportune time.
Portfolio Diversification
Access liquidity to diversify your investments while maintaining crypto exposure.
Major Purchases
Finance large purchases like vehicles, education, or home improvements using your crypto as collateral.