Get Instant Crypto Loans
Unlock the value of your cryptocurrency without selling. Get cash loans backed by Bitcoin, Ethereum, and other digital assets with competitive rates starting from 15% APR.
What Is a Crypto-Backed Loan?
A crypto-backed loan (also called a crypto collateral loan) allows you to borrow fiat currency or stablecoins using your existing cryptocurrency holdings as collateral — without selling your crypto assets.
Think of it like a home equity loan, except instead of pledging your house, you pledge your Bitcoin, Ethereum, or other digital assets. Once you repay the loan in full, your collateral is returned to you instantly.
This is ideal if you need liquidity — cash for expenses, investments, or emergencies — but you believe your crypto will rise in value and you don't want to trigger a taxable sale event.
On SecureShift, crypto loans are fully collateralized, which means no credit history or background check is needed. Your crypto is your credit.
Collateral-Based Lending
Your crypto acts as security for the loan. No banks, no paperwork, no credit score checks needed.
Receive Stablecoins or Crypto
Receive your loan in USDT, USDC, ETH, BTC, or DOGE — directly to your wallet address.
Repay Anytime
Repay the principal + interest at any time. Your collateral is returned automatically within seconds of full repayment.
Keep Upside Exposure
Since you don't sell your crypto, you maintain full exposure to price appreciation during the loan period.
How It Works
Get your crypto-backed loan in just 3 simple steps
Calculate your crypto loan
Calculate your crypto backed loan using different collateral and LTV options, then specify your payout address where you want to receive funds. Confirm it by phone or email.
Get crypto loan within minutes
Send us the collateral and we will send you the loan amount on your payout address without any delays and additional checks.
Start spending
Use your loan as long as you want. We will just draw your attention on the rate of your collateral currency in time.
Get back your collateral
At any moment you can pay your collateral back. To do this, you need to pay the full price of Repayment, and when we get it, we return your collateral.
Why Choose SecureShift for Your Crypto Loan?
SecureShift is built for crypto holders who need liquidity without giving up their digital assets.
Lightning-Fast Approval
Our automated system processes loan applications instantly after collateral confirmation. No waiting days or weeks for approval — your funds are sent within minutes of blockchain confirmation.
Bank-Level Security
Your collateral is stored in institutional-grade cold storage wallets with multi-signature security protocols. Your crypto is fully protected throughout the duration of your loan.
Competitive Interest Rates
Borrow at rates starting from just 15% APR with no hidden fees and no prepayment penalties. Repay early at any time to reduce total interest paid — the choice is entirely yours.
Keep Your Crypto
You don't have to sell your crypto to access cash. Maintain full ownership and benefit from any potential price appreciation during the loan term. Your long-term position stays intact.
No Credit Check
Your cryptocurrency is your credit score. SecureShift does not perform any traditional credit inquiries. There's no impact on your credit history. All you need is a verified email address.
24/7 Expert Support
Our dedicated support team is available around the clock to assist with your loan application, answer questions about collateral management, or help you navigate any issues.
Accepted Crypto Collateral
We accept major cryptocurrencies as collateral for your loan
Understanding Loan-to-Value (LTV)
Loan-to-Value (LTV) is the percentage of your collateral's value that you receive as a loan. A higher LTV means you receive more cash, but your collateral is closer to the liquidation threshold — increasing risk.
SecureShift offers four LTV tiers to match your risk preference. Conservative borrowers may prefer 50% LTV for maximum buffer, while experienced users may choose 80–90% for maximum leverage.
| LTV | $10,000 Collateral → Loan | Risk Level |
|---|---|---|
| 50% | $5,000 | Low |
| 65% | $6,500 | Medium |
| 80% | $8,000 | High |
| 90% | $9,000 | Very High |
How to Profit with Crypto Loans
Whether markets are going up or down, a strategic crypto loan can help you generate returns without selling your assets.
Amplify Gains in a Rising Market
- Deposit 1 BTC as collateral (valued at $40,000)
- Receive $20,000 USDT at 50% LTV
- Buy another 0.5 BTC with the $20,000 loan
- BTC rises 30% over 4 months to $52,000
- Sell the acquired BTC for $26,000
- Repay $20,000 loan + ~$660 interest (15% APR × 4 months)
- Retrieve your original 1 BTC collateral
Short the Market in a Falling Market
- Deposit $80,000 USDT as collateral
- Borrow 2 BTC (valued at $40,000 each)
- Immediately sell the 2 BTC for $80,000
- BTC drops 20% to $32,000 over 1 month
- Buy back 2 BTC for $64,000 total
- Repay loan with 2 BTC + ~$1,000 interest
- Retrieve your $80,000 USDT collateral
Risks to Understand Before Borrowing
Crypto loans carry unique risks compared to traditional borrowing. Understanding these is essential before you take out a loan.
Liquidation Risk
If your collateral value drops significantly, you may receive a margin call. If you don't add more collateral or repay part of the loan, a portion of your collateral may be automatically liquidated to protect the outstanding loan balance.
Volatility Risk
Cryptocurrency prices are highly volatile. A sudden price crash can reduce the value of your collateral below the liquidation threshold very quickly, especially at high LTV ratios like 80–90%. Use lower LTV for safer borrowing.
Interest Accumulation
Interest begins accruing from the moment the loan is issued and compounds monthly. For unlimited-duration loans, leaving a loan open for a long time without monitoring can result in significant interest accumulating over time.
Explore
Frequently Asked Questions
Select your collateral asset (e.g., Bitcoin) and the asset you want to borrow (e.g., USDT). Create an account, verify your email, submit a loan order, and deposit your collateral. Once the deposit is confirmed on the blockchain, your loan is sent to your wallet within minutes — no credit check required.
Loan-to-Value (LTV) is the ratio of the loan amount to the value of your collateral. For example, at 65% LTV, depositing $10,000 worth of BTC means you receive $6,500. A higher LTV gives more liquidity but increases the risk of liquidation if prices fall. SecureShift offers LTV options of 50%, 65%, 80%, and 90%.
Yes. Your interest rate is locked in at the time of loan creation and remains fixed for the entire duration of your loan term. It will not change based on market conditions or platform updates after your loan is issued.
If your collateral's value drops close to the liquidation threshold, SecureShift will notify you with a margin call requesting you to add more collateral or partially repay the loan. If you do not take action, a portion of your collateral may be automatically sold to reduce the loan balance and protect the outstanding debt.
No. There is no credit check of any kind. Your cryptocurrency collateral is the only requirement. You simply verify your email address to open an account and you can apply for a loan immediately. No bank statements, no income verification, no credit history check.
Your collateral is returned automatically within seconds of your full repayment being confirmed on the blockchain. Simply repay the full principal amount plus the accrued interest from your SecureShift dashboard and your collateral will be sent to your external wallet address instantly.
Yes. SecureShift accepts XRP, Solana, BNB, ADA, DOGE, SHIB, and 200+ other cryptocurrencies as collateral. Not just Bitcoin and Ethereum. Visit our full coins page to see the complete list of accepted collateral assets.
SecureShift currently offers two loan types: a 30-day fixed-term loan (which automatically expires after 31 days) and an unlimited-duration open-ended loan that remains active as long as the collateral health ratio is maintained. Both loan types have the same competitive rates starting from 15% APR.
Yes. Both individual users and businesses can apply for crypto-backed loans on SecureShift. The process is the same for both — create an account, verify email, deposit collateral, and receive funds. There is no additional business verification required.
Log in to your SecureShift dashboard, navigate to the Loan section, and click "Repay in Full." You'll be shown the exact repayment amount (principal + interest) and the wallet address to send it to. Once your payment is confirmed on the blockchain, your collateral is automatically released back to your wallet.