Your First Month Is Interest-Free

Starting a new loan shouldn't feel like a leap of faith. That's why we're introducing something different for first-time borrowers.

The promotion runs for a limited time and starts on January 15, 2026.

How It Works

The mechanics are simple:

• Apply for your first loan with Lantern

• Your first 30 days carry zero interest charges

• The discount appears automatically on your monthly statement

• After the first month, interest accrual automatically resumes based on your loan amount

This applies to your entire loan amount during that first month. If you borrow $50,000, you pay zero interest for 30 days.

If you borrow $500,000, same deal.

Why We're Doing This

We've spent considerable time studying why people hesitate to use crypto-backed loans. The feedback is consistent: borrowers want to understand how the loan actually works before committing to ongoing interest payments.

Fair enough.

This promotion removes that friction. You get 30 days to:

• Experience our platform firsthand

• See how margin calls work (or don't, in most cases)

• Understand your actual monthly costs

• Deploy the capital for whatever opportunity you're pursuing

If crypto lending isn't right for your situation, you can repay the loan within 30 days and walk away having paid just the upfront fee.

Example: $1,000 loan against Bitcoin at 50% LTV

Without promotion:

• Month 1 interest (at 13% APR): ~$10.83

• Upfront fee: $20

• Total first month cost: ~$30.83

With promotion:

• Month 1 interest: $0

• Upfront fee: $20

• Total first month cost: $20

That's real money saved while you determine whether crypto-backed lending fits your financial strategy.

Who This Is For

This promotion makes sense if you:

• Want to test crypto-backed lending without immediate interest costs

• Have a short-term capital need (under 30 days)

• Are exploring whether leveraging your crypto fits your financial strategy

• Prefer experiencing a platform before committing to ongoing costs

It doesn't make sense if you:

• Already have an active or previous loan with Lantern

• Need long-term financing (the interest-free period is only 30 days)

• Haven't done basic research on how crypto-backed loans work

How to Apply

The application process remains unchanged:

• Visit lantern.finance/borrow

• Calculate your potential loan amount

• Submit your application

• Complete our standard onboarding

• Receive your funds (typically same-day)

The interest-free first month applies automatically if you're eligible. No codes, no special buttons, no extra steps.

What Happens After 30 Days

After your first month, standard interest rates resume based on your initial loan terms. Current rates are published on our website and will be clearly disclosed during your application.

You'll continue with:

• Interest-only monthly payments

• Our 72-hour margin call window (not instant liquidation)

• Zero liquidation fees

• BitGo institutional custody

The only thing that changes is that you start paying interest.

The Bigger Picture

The crypto lending industry has earned its skepticism. Platforms collapsed. Customers lost funds. Trust evaporated.

We built Lantern specifically to avoid those mistakes:

• Conservative LTV ratios (50% max)

• 72-hour margin call windows instead of instant liquidation

• Zero liquidation fees (we don't profit from your losses)

• Institutional custody with BitGo

• US-based and regulatory compliant

This promotion extends that philosophy. We're confident enough in our platform to let you experience it interest-free for 30 days.

Either you'll find it valuable and continue, or you’ll decide it’s not for you.

Ready to Start?

The promotion runs for a limited time and starts on January 15, 2026.

If you've been curious about crypto-backed lending but hesitant about the cost, this removes that barrier for 30 days.

Calculate your loan: lantern.finance/borrow

Questions? Text us at (415) 365-0100

Your first month is on us. What you do with it is up to you.

Promotion Disclaimer: This promotion is a limited-time offer available to new clients only. Promotion term starts from January 15, 2026. Lantern may extend or cancel the promotion at any time without notice. Eligibility is limited to first-time borrowers on their first loan. Interest rates vary based on the type of digital asset posted as collateral. Full interest rate information (prior to promotional discounts) is available on Lantern's website. Final discounted interest costs will be disclosed within the loan application. The promotion applies solely to the waiver of the first monthly interest payment and does not cover principal, fees, or other charges. Loan approval is subject to Lantern's onboarding (AML/KYC) requirements and applicable jurisdictional limitations.