The only lending program for trading cards.

Quickly borrow cash at the best rates without selling your cards.

Apply Now

Apply for Alt advance

back arrow

Why choose Alt Lending?

Instant cash

• Graded cards in the Alt vault only
• 10,000 minimum loan size.
• No maximim.

Unlimited borrowing

• As much as you need up to 40% of your portfolio value.

Sell on Alt

• Option to sell your cards to put towards your loan with zero prepayment fees.

Online portal

• Easily view updated card values in real-time and schedule automated payments.

Alt Lending

Get up to 40% of your portfolio value - the highest advance rate without risking your cards being liquidated.

Apply Now

Apply for Alt advance

back arrow

Bridge loans

Take out a 30-day high LTV loan with Alt to pay off a loan from another source.

Apply Now

Competitor matching

Considering a competitor’s trading card loan? Alt will match the annualized interest rate on your offer.

Apply Now

Referral program

Refer other collectors and receive a dollar decrease on your loan for each successful referral, equivalent to 1% of your loan amount*.

Interested? Contact

*Lower loan amount between parties

How it works

Vault with ALT

1. Sign in

Sign into your Alt account

Select Your Assets


Choose the graded cards you want to borrow against and add them to your portfolio (cards must be sent to the vault to officially generate a loan).

Receive your terms

3. View Loan amount

Within 24 hours, your portfolio will show you how much you can borrow.

Pay off your loan early, with no premiums

4. Apply

Click apply, receive your terms via email from our lending team, and sign.

Pay off your loan early, with no premiums

5. Get cash

Get instant cash to use however you’d like!

Alt Lending is currently only available to customers with a US social security number and valid address located in select states. Please view our Alt Lending FAQ page or contact if you have any questions.

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.

Secure what you're listing


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 Lending 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 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 are graded by PSA or BGS, or graded by SGC if they are pre-1980 and valued over $10,000. Cards must have a minimum of $500 based on Alt Value, and not be damaged in any way.

Apply for Alt Lending

“Alt Lending 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.”