Celsius USD Loans Now Starting at $1,000

Apply today to borrow USD against your crypto

4 min readDec 16, 2021


Celsius just lowered its minimum request amount for fiat loans. You can now borrow USD against 40+ cryptocurrencies starting at only $1,000.*

*Minimum amount for USD loans may vary in certain locations

Applying for a loan through the Celsius mobile app takes just a couple of minutes, and most eligible borrowers are approved for a loan the same day. Plus, when you borrow with Celsius, you’ll get matched with one of our awesome team members to assist you through the entire loan journey.

Here’s how to get started:

  1. Download the Celsius mobile app and complete KYC to verify your account.
  2. From your app menu, go to the “Borrow” section, select “Apply for a loan” and then select “Borrow Dollars”
  3. Enter the amount of money you want to borrow, then tap Choose Collateral.
  4. Select the coin you want to use as collateral. Choose from coins already in your Celsius account, or transfer more coins to complete your loan request.
  5. Pick your interest rate (APR). Rates vary based on how much collateral you want to provide (LTV). Rates may vary based on Celsius policy, your jurisdiction, and applicable laws and regulations.
  6. Choose your loan term (the length of time you want to borrow). When your loan reaches maturity, you can extend for an additional 6–36 months at no cost.
  7. Add the bank details of the account to which you want to receive the wire transfer and tap Continue.
  8. Review the loan terms, confirm your details, and hit “Request loan” when you’re ready to submit your application.

Once your application is received, it will be reviewed by one of our loan managers. If no additional information is needed, funds will be wired to your account upon loan approval. Depending on your bank, it may take up to 5 business days for the wire to be received. Your bank also may charge a fee for accepting the wire transfer to your account.

For a limited time, you can also take advantage of a crypto bonus with your next loan. Get approved for a loan against DOT, MATIC, or 1INCH by January 13, 2021, you can get up to $75 in crypto as a special holiday bonus. Learn more about this special offer →

Looking to borrow less than $1,000? You can apply today for a loan issued in stablecoins starting at only $100*. Get started today in the Borrow section of your Celsius app, or plan ahead with the Celsius Loan Calculator to find the options that work in your best interest.

Got questions? Reach out to our team at loans@celsius.network, review our FAQs, or schedule a one-on-one office hours appointment to get all your borrowing questions answered.

*Minimum amount for stablecoins loans may vary in certain locations

Celsius loans are not available in all locations. Check your Celsius mobile app to see if you live in an area where such loans are offered. Additional limits may apply in certain jurisdictions.

Interest rates may vary based on Celsius policy, your jurisdiction, and applicable laws and regulations.

The terms of each loan are as set out in the applicable loan agreement. Please read the loan agreement carefully before requesting a loan.

Celsius loans are ‘balloon’ loans, meaning interest payments are made on a monthly basis, and principal amount returned at the end of the loan term. Interest rates vary from 1% to 8.95% APR, depending on your choice of LTV (Loan to Value), with up to 25% discount on interest where you choose to pay interest in CEL tokens. Promo only applies to 25% LTV (0.75–1% APR) loans. Termination of your loan prior to the lapse of 6 months would incur the full interest payment for the first 6 months.

Celsius loans are offered by Celsius Lending LLC, 221 River Street, 9th Floor, Hoboken, NJ 07030 USA; The Celsius website and mobile app are operated by Celsius Network LLC, 221 River Street, 9th Floor, Hoboken, NJ 07030 USA.

Loans made or arranged pursuant to a California Finance Lenders Law license. Celsius is licensed by the California Department of Financial Protection and Innovation under the California Finance Lender Law License №60DBO-133776. Celsius loans will be originated by Celsius Lending LLC pursuant to this license.

About Celsius

Celsius is a democratized reward-earning and crypto lending platform accessible via web and mobile app. Built on the belief that financial services should only do what is in the best interests of the community, Celsius is a modern platform where membership provides access to curated financial services that are not available through traditional financial institutions. Crypto holders can earn rewards by transferring their coins to their Celsius account and can borrow USD or stablecoins against their crypto collateral at interest rates starting at 1% APR.

Download the Celsius app and start your journey to financial freedom today!

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