Alt Lending review: loans against graded cards
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.
Alt Lending lends against collectors (us only).
Terms at a glance
| Rate | Adjustable: 9–10% minimum + 1-month SOFR; fixed rate on request source |
|---|---|
| Loan-to-value | Up to 40% (cards may be sold if loan exceeds 60% of card value) source |
| Min / max loan | $25,000 (collateral must exceed $62,500) / Above $2M: contact Alt source |
| Term | Up to 12 months; interest-only monthly, principal at end source |
| Fees | 1% origination; no prepayment fee source |
| If you don't repay | Alt may sell vaulted cards to bring the loan current; after sale, excess proceeds go to your Alt wallet source |
| Who it's for | Collectors (US only) |
| Eligibility | PSA or BGS (SGC only pre-1980 and >$25k); each card ≥$500 Alt Value; cards must be in Alt Vault; SSN required; soft credit check |
| Crypto | No |
| Checked | 2026-10-17 |
Pros
- Lowest published floor rate on this list
- Longest term (up to 12 months)
- Can sell vaulted cards on Alt while the loan is open
Cons
- $25,000 minimum loan
- Lowest LTV (up to 40%)
- Rate floats with SOFR
Sources: support.alt.xyz/en/articles/9213544-alt-lending · alt.xyz/lending
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