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SALT Lending

Established 2016
Crypto-backed lending platform allowing users to borrow against Bitcoin and other digital assets. Offers flexible terms, competitive LTV ratios up to 70%, and maintains institutional-grade custody for all collateral.

Interest Rates

APR Range7.49% +
Origination Fee1%

Loan Details

Minimum Loan$5,000
Maximum Loan$1,000,000,000
Max LTV70%

Example Loan Calculation

Based on a $50,000 loan at 7.49% APR over 24 months
$2,250
Monthly Payment
$53,994
Total Payment
$3,994
Total Interest

Customer Reviews

2 reviews
Anonymous

Early pioneer in Bitcoin-backed lending with a structured loan model

SALT Lending was one of the early pioneers in Bitcoin-backed lending, offering users a way to access liquidity without selling their Bitcoin. The platform provides clearly defined loan structures, collateral requirements, and repayment terms, making it easier for borrowers to understand their exposure. The service focuses on secured lending rather than yield-driven products, which helps reduce some of the risks commonly associated with crypto lending platforms. Communication around collateral management and loan conditions is generally transparent, contributing to a more disciplined lending experience. That said, SALT’s history in a volatile sector and the evolution of lending standards over time mean it faces strong competition from newer, more conservative platforms. Overall, SALT Lending remains a solid and structured option for users who understand the risks of Bitcoin-backed loans and value its long-standing presence in the market.

1/17/2026
Anonymous

Easy Access to Crypto-backed Loans

I’ve used SALT Lending a few times for quick crypto-backed loans, and it’s been a smooth process. The application is simple, and the interest rates are fair compared to others. Customer support is responsive, though I wish they offered more flexibility on loan terms.

1/17/2026

Frequently Asked Questions About SALT Lending

About this analysis

21Rates Editorial TeamBitcoin Financial Research Analysts

Our research team analyzes Bitcoin lending platforms using proprietary risk scoring, rate comparison data, and user reviews. We independently verify lender terms and maintain up-to-date information to help you make informed borrowing decisions.

Last verified: June 2026