Card Collateral 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.
Card Collateral lends against businesses, dealers & resellers only (no personal loans).
Terms at a glance
| Rate | Interest-only from 40%/yr (36% if paying weekly); factor rate from 1.25; max 60%/yr or 1.50 factor source |
|---|---|
| Loan-to-value | 50%–75% of current market value source |
| Min / max loan | $1,000 / $250,000 source |
| Term | 3–24 months; weekly or monthly payments source |
| Fees | 2% origination; $25 late fee after 10 days; no prepayment penalty; no storage fee source |
| If you don't repay | 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 |
| Who it's for | Businesses, dealers & resellers only (no personal loans) |
| Eligibility | Business-purpose loans only; graded cards (Pokémon, sports, TCG); no credit check |
| Crypto | No |
| Checked | 2026-10-17 |
Pros
- Highest LTV among non-crypto lenders (up to 75%)
- Fully published term sheet with worked examples
- Written notice before any sale
Cons
- Business borrowers only
- High cost: 40%+ effective APR
- Lending Disclosures page is labeled 'Draft, subject to attorney review' and its licensing section is still a placeholder
Sources: cardcollateral.com/rates · cardcollateral.com/legal/disclosures · cardcollateral.com/faq
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