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    SOL logoSolana Collateralized Loans

    Borrow Against Your Solana.

    Get instant USD / USDC loans with competitive rates starting at 10%, powered by your SOL holdings. No credit checks, flexible terms, repay anytime.

    Current price

    $0.0000

    How Borrowing Works

    Four simple steps to turn your SOL into the cash you need, without selling your assets

    01

    Create an Account

    Sign up and verify your identity with our US-based platform in minutes.

    02

    Customize Your Loan

    Choose your loan amount and terms based on your SOL holdings.

    03

    Deposit Collateral

    Securely deposit your SOL as collateral for your loan.

    04

    Get Dollars

    Receive USD or USDC directly to your bank account or crypto wallet.

    Ready to start? Calculate your loan

    Why Borrow with Lantern Finance

    Unlock the value of your Solana without selling your position

    Competitive Rates

    Starting at just 10%, our rates are designed to be transparent and fair.

    Repay Anytime

    No early repayment penalties, zero liquidation fees, and a 72-hour grace period if you ever receive a margin call.

    Secure Storage

    Your SOL is held by BitGo, a qualified US custodian, in insured cold storage with up to $250MM in coverage.

    No Credit Checks

    Your loan approval is based on your collateral, not your credit history.

    Keep Your SOL

    Access USD / USDC liquidity without selling your SOL holdings.

    🇺🇸 US-Based Company

    Direct access to our US-based customer support team by phone and email — no bots, ever.

    Loan terms

    Solana Loan Terms & Details

    Transparent terms designed to help you make informed borrowing decisions

    Pricing & Limits
    Interest Rates
    Starting at 10% APR, based on loan-to-value ratio, plus 2% upfront fee
    Loan-to-Value (LTV)
    Up to 50%
    Minimum Loan Amount
    $1,000 USD / USDC
    Maximum Loan Amount
    $10,000,000 USD / USDC
    Duration & Repayment
    Loan Duration
    12-months
    Repayment Options
    Interest-only payments with option to prepay any portion at any time to lower outstanding balance
    Early Repayment
    No penalties for early repayment
    Risk Management
    Margin Call Threshold
    Triggered when LTV rises above 65%. You will be notified and given a 72-hour grace period to add collateral or repay principal before any action is taken.
    Liquidation Threshold
    Liquidation may occur if a margin call is not resolved within the grace period. Zero liquidation penalties — no additional fees charged by Lantern.
    Custody & Security
    Collateral Storage
    Secure cold storage through BitGo, our qualified custodian, insured up to $250MM
    Questions about your loan?
    Our team is available 7 days a week to walk you through the details.
    [email protected]415-365-0100

    Design your loan

    Solana Loan Calculator

    See how much you can borrow against your SOL holdings

    01Design your loan
    Min $1,000
    $
    $1,000$10,000,000
    Min: 1 XRP
    40XRP
    ≈ $0 worth of XRP
    Max 40%
    40%
    10%40%
    LTVInterest rate
    0% – 40%0%

    Loan to Value (LTV) based on XRP. Rates lock at funding time.

    02Loan summary

    Loan Amount

    $1,000
    2%
    Annual Percentage Rate(2% upfront fee + 0% interest rate)
    $0.00 / month
    Monthly Interest
    $20.00
    Upfront Fee(taken out of loan amount)
    No credit check · funds wired in 24h

    Customer reviews

    What Our Customers Say

    Join thousands of satisfied borrowers across the United States

    “The process was straightforward and the terms were clear. I got the liquidity I needed without selling my crypto.”

    A

    Alex M.

    Miami, FL

    “Fast approval, secure custody, and transparent pricing. Exactly what I wanted.”

    J

    Jordan K.

    Austin, TX

    “Great experience from start to finish. I’d recommend Lantern to anyone borrowing against crypto.”

    T

    Taylor R.

    Denver, CO

    Trusted by crypto holders across America

    4.9/5on Trustpilot

    Your Security is Our Priority

    Lantern Finance employs bank-level security to protect your assets

    Secure Cold Storage

    Your collateral is stored with BitGo, our qualified custodian, with insured cold storage.

    Fully Regulated

    Our custodian BitGo is publicly traded (Ticker: BTGO), holds an OCC trust charter, and has had zero hacks or thefts since its founding in 2013. Lantern covers all custody costs — borrowers pay nothing extra.

    Transparent Terms

    Clear loan agreements with no hidden fees or surprise charges.

    24/7 Monitoring

    Continuous security monitoring and real-time alerts protect your assets.

    Secured by

    BitGo Custody

    $250M

    Insured collateral

    All collateral held by Lantern Finance is fully insured up to $250MM against theft, hacking, and loss, giving you complete peace of mind throughout your loan term

    Learn more about how we safeguard your collateral with our custodian, BitGo
    Borrow Against Your Solana | Lantern Finance