SlabRate: borrow against your graded cards
Every lender that publishes terms for loans against graded cards, side by side: rate, loan-to-value, limits, term and what happens if you don't repay. Every value links to the lender's own page.
Not financial advice. SlabRate compares terms that lenders publish on their own sites. It is not a loan offer, a recommendation, or legal, tax or financial advice. Borrowing against cards can cost you the card. Confirm every term with the lender before you sign. CardBaseHQ is not a lender or broker.
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11 lenders · data checked 2026-10-17 · "not published" means the lender doesn't state it
| Lender | APR / interest | Loan-to-value | Min / max loan | Term | On default | Crypto | Checked |
|---|---|---|---|---|---|---|---|
| Alt Lending | Adjustable: 9–10% minimum + 1-month SOFR; fixed rate on request source | Up to 40% (cards may be sold if loan exceeds 60% of card value) source | $25,000 (collateral must exceed $62,500) / Above $2M: contact Alt source | Up to 12 months; interest-only monthly, principal at end source | Alt may sell vaulted cards to bring the loan current; after sale, excess proceeds go to your Alt wallet source | No | 2026-10-17 |
| Card Collateral | Interest-only from 40%/yr (36% if paying weekly); factor rate from 1.25; max 60%/yr or 1.50 factor source | 50%–75% of current market value source | $1,000 / $250,000 source | 3–24 months; weekly or monthly payments source | Default at 30 days past due; at least 15 days' written notice before sale; you can repay in that window; surplus after sale returned source | No | 2026-10-17 |
| Qollateral | 2.9% per month (includes storage, insurance, ticket fees) = 34.8% APR when borrowing up to 20% of liquid wholesale value source | FAQ: usually 40–60% of verified secondary-market value. The 34.8% APR disclosure applies to loans up to 20% of liquid wholesale value source | not published / not published source | Up to 120 days (4 months) source | Non-recourse: no credit check or personal guarantee. Exact forfeiture terms not published source | No | 2026-10-17 |
| NettyWorth CRYPTO | Flat fee per term: 10% for 7 days, 15% for 15 days, 20% for 30 days source | Most loans up to 50% of item value source | Collateral item must have fair market value ≥ $100 / not published source | 7, 15 or 30 days source | If not repaid, you lose ownership of the item source | Yes | 2026-10-17 |
| Collectors Financing | 10% APR starting, simple interest source | 10–20% (~10% living player, ~20% deceased player) source | not published / not published source | 6 months, interest-only; extendable without penalty source | not published source | No | 2026-10-17 |
| Sol Slabs CRYPTO | 9.9% APR (30 days), 12.4% (60 days), 14.9% (90 days); simple interest source | Up to 92% of slab value source | not published / not published source | 30, 60 or 90 days source | Grace period after maturity, then the slab is liquidated; surplus returned, shortfall written off. Can also be liquidated early if value falls near the loan amount source | Yes | 2026-10-17 |
| Slabs (slabs.bond) CRYPTO | not published (homepage shows offers from lenders' standing offers) source | Not published as a range (homepage example offer: 65% LTV) source | not published / not published source | Not published as a range (example offer: 14-day term) source | After a grace period, a descending-price (Dutch) auction repays the lender; any surplus returned to you source | Yes | 2026-10-17 |
| Jupiter Offerbook CRYPTO | Set by each peer offer (market rate). Borrower pays a 25% upfront fee on interest (effective APR = APR × 1.25) source | 1%–95%, chosen per offer source | not published / not published source | 1–30 days source | No price liquidations during the loan. After maturity the lender can claim the card itself; you can still repay until they claim source | Yes | 2026-10-17 |
| Collateral Finance Corp (CFC) | Not published (fixed during the 180-day term; based on index rates, LTV, etc.) source | Typically up to 60% (50–60%) source | $25,000 / $5,000,000 source | 180 days, renewable source | Margin calls if collateral value falls; you can add collateral or cash, or CFC may sell part of it. Full default terms not published source | No | 2026-10-17 |
| Bullion Metals | not published source | not published source | $25,000 / $5,000,000 source | not published source | not published source | No | 2026-10-17 |
| Collector Loans (collector.capital) CRYPTO unverified | Not verified (site unreachable on check date) source | Not verified source | Not verified / Not verified source | Not verified source | Not verified source | Yes | 2026-10-17 |
Loan calculator
Enter what you want to borrow. We apply each lender's published pricing to your amount and term. Real offers depend on your cards and the lender's review.
Effective APR = (total cost ÷ amount) ÷ days × 365, simple and not compounded. It includes published origination/storage fees. Alt excludes the SOFR add-on and Jupiter uses its own example rate. Rows in grey fall outside that lender's published limits.
Collection insurance compared
Specialist collectibles insurers. None of them publishes a per-$1,000 rate for card collections, so get a quote. Checked 2026-10-17.
| Insurer | Rate | Deductible | Appraisal / scheduling | Coverage | Extras | Checked |
|---|---|---|---|---|---|---|
| Collectibles Insurance Services (CIS) | Not published for card collections (online quote) CIS publishes $6.50 per $1,000 semi-annually only for a dealer endorsement covering incidental coins/bullion/jewelry, not trading cards source | From $0 (collector policies; covers losses over $50); dealer policies $500 | No schedule/appraisal for most items; items or sets ≥ $25,000 must be scheduled | Accidental breakage, burglary, fire, flood (except zones A & V), loss in the mail, theft, natural disasters; transit (sublimit) and card shows; optional public-storage coverage up to $100,000 | Optional automatic 1%/month coverage increase up to $1M; carrier rated A (Excellent) by AM Best; dealer policies available | 2026-10-17 source |
| American Collectors Insurance (ACI) | Not published (quote required) | not published | Agreed Value for qualifying collections, pending valuation by ACI specialists | Accidental breakage, fire, theft, natural disasters; mysterious disappearance for scheduled items worth $2,000+; Collector's Choice add-on for shipping/storage away from home | New additions auto-covered up to $2,000 if reported within 30 days; Inflation Guard up to 6% on a covered total loss; non-scheduled losses for some categories settled at fair market value | 2026-10-17 source |
| Chubb Personal Collections | Not published (quote required) | No deductible on most collectible losses | Appraisal only for individual items ≥ $100,000 | Worldwide; blanket and/or scheduled coverage; pays up to 150% of itemized amount if market value rose | New items covered 90 days (up to 25% of itemized coverage); agreed value cash settlement on covered total losses | 2026-10-17 source |
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Lender reviews
- Alt Lending
- Card Collateral
- Qollateral
- NettyWorth CRYPTO
- Collectors Financing
- Sol Slabs CRYPTO
- Slabs (slabs.bond) CRYPTO
- Jupiter Offerbook CRYPTO
- Collateral Finance Corp (CFC)
- Bullion Metals
- Collector Loans (collector.capital) CRYPTO
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