Instant funding
Collateral is confirmed and the loan is released in 5–10 minutes after your deposit — no bank queues.
Crypto Loans in USDT and 100+ other assets
Borrow stablecoins and digital assets against your crypto without selling it. Start from just 100 USDT, get funded in 10–15 minutes, and repay on your own schedule — all from a non-custodial wallet where you keep the keys.
- Start with only 100 USDT
- Get a loan in 10–15 minutes
- Your collateral is protected and insured
- Pay off the loan whenever you want
- 3-level notifications if liquidation risk appears
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Advantages
Why borrowers choose crypto-backed loans with Guarda.
Private by design
No credit checks and no account registration. Your financial history stays yours.
12%–17% APR
Transparent annual rates with no hidden origination or early-repayment fees.
HODL your assets
Borrow against BTC or ETH instead of selling and missing the next rally.
Insured collateral
Pledged coins are protected while your loan is active, with risk alerts at three levels.
Flexible repayment
There is no fixed term — repay partially or fully whenever it suits you.
How to use Crypto Loans
1
Pick collateral
Choose BTC, ETH, SOL or USDT and enter the amount you are ready to pledge.
2
Check the offer
See the estimated borrow amount at 60% loan-to-value and the 12–17% APR range.
3
Get funded
Download Guarda, deposit collateral and receive USDT or another asset in minutes.
Get a loan within minutes
Install Guarda for Windows, macOS, Linux, iOS or Android and borrow against your crypto today.
How to borrow stablecoins and other assets
A crypto-backed loan lets you unlock the value of your portfolio without triggering a sale. Instead of converting Bitcoin or Ethereum to cash — and potentially paying taxes or missing future growth — you pledge coins as collateral and receive liquid USDT, USDC or ETH to spend, trade or reinvest.
With Guarda, borrowing starts at just 100 USDT. There are no credit-score checks because the loan is secured by your own digital assets. If markets move against you, a three-level notification system warns you long before any liquidation risk, and your collateral stays insured for the whole loan term.
Repayment is fully flexible: close the loan early, extend it, or top up collateral to improve your loan-to-value ratio. The calculator above shows an indicative offer — the final quote is confirmed inside the Guarda application in a couple of taps.
Crypto Loans — FAQ
Bitcoin, Ethereum, Solana and Tether are the most popular options, with 100+ supported assets overall. Enter any amount in the calculator to preview your offer.
After your collateral deposit is confirmed, loans are typically released within 5–10 minutes — most borrowers are funded in under 15 minutes end to end.
Annual rates range from 12% to 17% depending on the asset pair. There are no origination fees and no penalties for early repayment.
Yes. Pledged assets are protected and insured for the loan duration, and you receive alerts at three risk levels if prices move sharply.
No credit checks and no lengthy verification on this page. The loan is secured by collateral, so approval depends on your pledge, not your paperwork.
Whenever you want — there is no fixed term. Repay partially to lower risk or fully to release your collateral back to your wallet.