YouHodler Loans

YouHodler offers 4 different collateralised loan options which offer different loan to value ratios (LTV's) i.e. how much you can borrow against your assets, different repayment periods & how long the term you agree to pay for is; each with different APR depending on the currency you are borrowing.

These loan options range from 50% to a very high and rarely seen 90% LTV, with each option offering varying margin calls and APR, depending on currency and loan term. Whilst loans can effectively be extended indefinitely, interest rate percentages for these time periods will need to be paid; totalling between 2 - 8% of your loan (equating to 12.16% APR).

All loans can be extended indefinitely, but the interest rate percentage for the loan term period (between 30 to 180 days) will need to be paid. It is important to note that if the value of your assets drops between 5 - 40% of the LTV margin call respectively, asset liquidation (to pay your loan) will be automatically triggered. Furthermore, those with an LTV of 90% can "walk away" from the loan agreement; in turn receiving 85% of their collateral back.

50% LTV loan options offer the highest margin call of 40% and longest loan duration (180 days), however incurs the highest loan repayment fee of 8%. Alternatively, the 70% LTV option offers a loan term of 60 days, a loan repayment fee of 3.20% and a low margin call of 25%. The 90% LTV option has a loan duration requiring payment every 30 days to keep the loan open, whilst including the lowest margin call rate of just 5%. Although, this option does offer a reduced loan repayment fee of 2.10%

The rates on this page show rates for all LTV options, for which the agreement period is between 30 and 180 days at the time of taking out the loan. The actual interest rates listed on the YouHodler website are for the 180-day term, rather than the full year, and to work out what the APR is will require manual calculation, which we find a little deceptive.