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DOGE logoDogecoin Collateralized Loans

Borrow Against Your Dogecoin.

Get instant USD / USDC loans with competitive rates starting at 13%, powered by your DOGE holdings. No credit checks, flexible terms, repay anytime.

Current price

$0.0000

How Borrowing Works

Four simple steps to turn your DOGE 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 DOGE holdings.

03

Deposit Collateral

Securely deposit your DOGE 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 Dogecoin without selling your position

Competitive Rates

Starting at just 13%, 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 DOGE 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 DOGE

Access USD / USDC liquidity without selling your DOGE holdings.

🇺🇸 US-Based Company

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

Loan terms

Dogecoin Loan Terms & Details

Transparent terms designed to help you make informed borrowing decisions

Pricing & Limits
Interest Rates
Starting at 13% APR, based on loan-to-value ratio, plus 2% upfront fee
Loan-to-Value (LTV)
Up to 25%
Minimum Loan Amount
$1,000 USD / USDC
Maximum Loan Amount
No maximum
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

Dogecoin Loan Calculator

See how much you can borrow against your DOGE holdings

01Design your loan
Min $1,000
$
$1,000$1,000,000
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

4.8/5on 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 Dogecoin | Lantern Finance