# How Do SALT Crypto-Backed Loans Work?

> You follow a few simple steps to create an account with SALT. While SALT does not perform a credit check on borrowers, we perform full Anti Money Laundering ...

Source: https://faq.saltlending.com/en_us/how-do-salt-crypto-backed-loans-work-B1RtbqR65

Last updated: 2026-03-09T19:04:21.148Z

SALT loans are **secured, crypto-backed loans**. All loans are overcollateralized and secured by digital assets such as BTC,ETH, USDC or USDT.

To receive a loan, borrowers must deposit supported cryptocurrency assets as collateral, and the loan must be over-collateralized, meaning you can borrow up to a percentage of your collateral’s value based on the selected loan-to-value (LTV) ratio. This allows borrowers to access liquidity without selling their cryptocurrency.

We offer up to 5-year loan terms with the ability to pay off your loan early without any pre-payment penalty.

## Loan Terms and Borrowing Options

SALT offers flexible loan structures designed for crypto holders who want to maintain long term exposure to their assets.

Key features include:

*   **Loan Terms:** up to 5 years
*   **Loan-to-Value (LTV):** up to 70%
*   **Multi-Asset Collateral**: Ability to use a portfolio of supported cryptocurrencies as collateral
*   **No prepayment penalties** for paying off or paying down your loan early
*   **Re-payment Types:** Financed Interest, Interest Only, and Principal & Interest
*   **SALT Stabilization**: designed with the volatility of cryptocurrency and wealth preservation in mind, our stabilization feature will help preserve the value of your assets in the event of a margin call. For more information, visit [https://saltlending.com/stabilization/](https://saltlending.com/stabilization/)
*   **SALT Shield™**: SALT Lending’s no-liquidation loan upgrade. For a one-time fee, get no margin calls and market-triggered liquidations, keeping your collateral safe even in a market downturn. For more information, visit: [https://saltlending.com/salt-shield/](https://saltlending.com/salt-shield/) 
*   Rates are subject to market conditions. For complete details, please visit our [Rates and Fees page](https://saltlending.com/rates-and-fees).
*   **Live Customer Support**: unlike other lenders, we provide customer service from real people. Speak directly with our team via email, phone, or Google Meet whenever you need assistance.
*   **Trusted by Our Customers**: see real feedback from borrowers on [Trustpilot](https://www.trustpilot.com/review/saltlending.com).
*   **Mobile App:** access and manage your loan easily from our mobile app.

Have questions? Get in touch with our team at sales@saltlending.com and we will be happy to provide you with more details.