YouHodler Review 2020 – Safe and Legit Place to Get a Crypto Loan?

YouHodler is another crypto lending platform that is gaining a lot of exposure and popularity in the last couple of months.

YouHolder is mirroring lending and borrowing business model from traditional banks: you can earn interest rate (of up to 12% on certain coins) or borrow money by putting up crypto assets as collateral with a LTV of up to 90%.

Location Lausanne, Switzerland
Supported Countries Worldwide, except USA and other exceptions
Loan to Value ratio up to 90%
Interest rates from 7%
Credit score no credit checking


  • Minimum loan of just $100
  • Loan-to-Value ratio up to 90%
  • 16 supported cryptocurrencies
  • high interest rates for savings accounts (up to 12%)


  • High interest rates on long term loans
  • no insured custodian of user funds
  • small self-established insurance fund
  • Not available in the USA

What products does YouHodler offer?

YouHodler provides two core products with additional two, supplemental products. Main YouHodler products are:

  • crypto loans
  • crypto savings accounts (interest accounts)

Two supplemental products that YouHodler added to their arsenal are:

Let’s move on with this YouHodler review by examining closely all four products and how they work.

Crypto loans on YouHodler

Crypto loans are, as their names implies, loans that you can get by collateralizing your digital, crypto assets. YouHodler allows 18 different coins to be used as collateral:

Bitcoin, Ethereum, BinanceCoin, Ripple, Stellar, Litecoin, Bitcoin Cash, Bitcoin SV, Dash, EOS, Chainlink, Augur, Basic Attention, Ethereum Classic, TRON, Cardano, Monero, Tezos.


Depending on the token you choose as collateral, you will be able to select one of the following plans:

  • Extreme plan. Loan-to-value ratio at 95%, 30 days to pay back, 5% interest, -5% price down limit.
  • Bull Run plan. Loan-to-value ratio at 80%, 30 days to pay back, 7% interest, -10% price down limit.
  • Two Seasons HODL plan. Loan-to-value ratio at 70%, 180 days to pay back, 16% interest, -20% price down limit.
  • Anti-Crisis plan. Loan-to-value ratio at…

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