Official rates & terms
Crypto-backed loan rates, fees and assets.
The official Lantern reference for starting APRs, max loan-to-value, fees, term, custody and margin-call policy. Borrow dollars without selling your crypto.
- Starting APR
- 10%–15%
- Max LTV
- 50%
- Supported assets
- 16
- Grace period
- 72 hrs
Updated Oct 9, 2026
Starting APR = base interest + 2% upfront fee. Rates vary by eligibility, jurisdiction, collateral asset, LTV and your signed loan agreement.
Rates by asset
16 assets. One clear price each.
Your rate depends on the asset you pledge. Higher-liquidity assets get a higher LTV and a lower APR.
| Asset · base rate | Max LTV | APRStarting APR | Borrow |
|---|---|---|---|
| BitcoinBTC · 8% | 50% | 10% | |
| EthereumETH · 10% | 50% | 12% | |
| XRPXRP · 11% | 40% | 13% | |
| SolanaSOL · 10% | 50% | 12% | |
| LitecoinLTC · 13% | 40% | 15% | |
| CardanoADA · 13% | 33% | 15% | |
| ChainlinkLINK · 13% | 33% | 15% | |
| StellarXLM · 13% | 33% | 15% | |
| HederaHBAR · 13% | 33% | 15% | |
| Bitcoin CashBCH · 13% | 33% | 15% | |
| SuiSUI · 13% | 33% | 15% | |
| AvalancheAVAX · 13% | 33% | 15% | |
| HyperliquidHYPE · 13% | 33% | 15% | |
| CantonCC · 13% | 33% | 15% | |
| DogecoinDOGE · 13% | 25% | 15% | |
| XDC NetworkXDC · 13% | 25% | 15% |
Terms & policies
The fine print, up front.
Every Lantern loan runs on the same terms, whatever asset you borrow against.
- Minimum loan
- $1,000
- Loan term
- 12 months
- Upfront fee
- 2%, generally taken from loan proceeds at funding.
- Repayment
- Prepay principal any time. No early repayment penalty.
- Custody
- Held with BitGo in insured cold storage. Lantern never lends out or speculates with your collateral.
- Margin-call grace
- 72 hours to add collateral or repay principal after a margin call.
- Liquidation
- Only if LTV exceeds 75% and the grace period has expired. Zero liquidation penalties.
FAQ
Rates questions, answered.
Still curious? Call or text 415-365-0100, or email [email protected]. A real person will get back to you.
- Lantern supports crypto-backed loans against Bitcoin (BTC), Ethereum (ETH), XRP (XRP), Solana (SOL), Litecoin (LTC), Cardano (ADA), Chainlink (LINK), Stellar (XLM), Hedera (HBAR), Bitcoin Cash (BCH), Sui (SUI), Avalanche (AVAX), Hyperliquid (HYPE), Canton (CC), Dogecoin (DOGE), XDC Network (XDC).
See how Lantern compares.
Side-by-side with Arch, Coinbase, CoinRabbit, Figure, Ledn, Nexo and Strike.
Borrow without selling.
From 10% APR. Funded as soon as the same day. Your crypto stays yours.