Borrow
Borrow cash without selling your cards.
Our industry-leading trading card lending gives you equity to put against a mortgage, a car, more sports cards, or anything else you’ve been saving for.
Apply for Alt advance
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Why borrow cash?
Need some cash but don’t want to sell your cards? ALT Advance lets you hold on to the long-term upside of your collection, while borrowing cash to spend right now. You can put your loan towards a car, home improvement, an engagement or wedding, kid needs, or simply buying more cards. It’s up to you.
Get cash from your best cards without selling them.
Annual interest rates starting at 9% with 1% origination fee*.
Get access to cash within 24 hours of signing your terms.
Enjoy personalized customer support from an expert.
How it works.
1. VAULT YOUR CARDS
All cards need to be professionally graded and stored in the ALT Vault to be eligible.
2. SELECT YOUR CARDS.
You decide which cards to use as collateral against the loan. Cards graded by PSA or BGS must have a minimum ALT Value of $500, while SGC-graded cards must be from before 1980 with an ALT Value over $10,000.
3. Receive your terms
You can expect the terms of the loan within three business days, and will be able to borrow 5-40% of the market value of your cards. The amount offered will depend on the diversity of the cards used as collateral.
4. Pay on your terms
Each month, you will make an interest-only payment based on the principal owed. Your final payment will be interest plus your remaining outstanding principal. You are able to repay your principal at any time without imposed fees.
ALT Advance is currently only available to customers with a US social security number and valid address located in select states. Please view our ALT Advance FAQ page or contact support@alt.xyz if you have any questions.
FAQ’s
Why would I want a loan against my cards?
If it isn’t the right time to sell your cards, you can allow them to appreciate while getting money to spend on other parts of your life. You can use the cash to fix up your house, pay for a wedding, baby proof your apartment, or simply buy more cards.
How much can I expect?
ALT Advance may offer up to 40% of your portfolio value. The final amount offered will depend on the diversity of your card portfolio. For example, a portfolio with 100 cards will get a higher advance rate than a portfolio with one card.
What is the minimum and maximum loan size?
There is minimum loan size of $10,000. For loans larger than $2 million, please reach out to your Account Manager or support@alt.xyz for more information.
What is needed in order to begin the loan process?
All customers must provide their US Social Security Number and home address. At this time, we do not originate loans outside of the United States.
What cards do you accept for loans?
We can only consider cards if they have the following features:Graded by PSA or BGS.
We can also accept SGC graded cards if they are pre-1980 and valued over $10,000.
Minimum of $500 based on ALT Value.
Card cannot be damaged in anyway.
Security of your cards.
All cards sent to the ALT Vault are safely stored and insured to their ALT Value. Each card is professionally photographed, giving you high-quality photos for your portfolio, and sharing with your network.
Apply for ALT advance
“ALT cash advance helped me to secure a dream card and made my cash flow better. The process is very straightforward and fast, and my rep Kayvon at Alt is very helpful and responsive. It’s also flexible in that you can pay back early or sell cards within the portfolio as long as the associated loan portion is covered. It’s a convenient utility provided by Alt platform, and if used responsibly, it allows you to unlock many potential opportunities within the hobby.”