# Teller > Teller (teller.org) is a loan marketplace and non-custodial lending protocol. > Its core consumer product is a free pre-qualification for no-collateral > personal loans in the US: a soft check with no hard credit pull that tells a > borrower whether they pre-qualify before any application. Teller is not the > lender — partner lenders make final decisions and disburse cash directly to > the borrower's own bank account. ## Products - **No-collateral personal loans (marketplace)**: one soft-pull pre-qualification checked against a network of lenders across credit tiers. Available in the US (state by state) plus the Netherlands, Singapore, the Philippines, Denmark, and Australia. Loan types: personal, debt consolidation, business, HELOC, mortgage, auto. Start: https://pro.teller.org/?prequal=open - **Asset-backed loans (protocol)**: fixed-term crypto-backed loans with no margin calls and no mid-term liquidation — a price dip cannot force a liquidation during the term. Borrow against BTC, ETH, and other assets without selling. - **Teller Score**: an on-chain credit score (0–1000) built from wallet history across chains, used alongside income and identity signals to qualify borrowers. Details: https://pro.teller.org/blog/on-chain-credit-score - **Teller Credit**: the same qualification flow as embeddable middleware for wallets, exchanges, and web3 apps. Details: https://pro.teller.org/credit ## Key facts - Pre-qualification is a soft check: no hard credit pull, no collateral, free, about four minutes. Pre-qualification is not approval. - A hard inquiry only happens if the borrower later submits a full application to a lender. - Teller never charges upfront fees to qualify, never asks for seed phrases, and does not persist SSN or bank details from applications. - True "no-collateral, no-credit-check" crypto loans do not exist for retail borrowers; offers marketed that way are scams. The legitimate path is a regulated personal loan qualified via credit, income, and on-chain signals. ## Collateral accepted (live) Teller pools accept 140 collateral assets across 10 networks, including wrapped bitcoin and ether, tokenized equities, tokenized gold, wrapped XRP and Base memecoins. Loans are fixed-term: there is no liquidation threshold during the term, and the obligation is the due date. Full list: https://pro.teller.org/collateral Widest terms, read 21 October 2026, 11:57 UTC: | Collateral | Network | Max LTV | Best APR | |---|---|---|---| | APE | Arbitrum | 28.6% | 5.2% | | WETH | Ethereum | 83.3% | 1% | | PAXG | Ethereum | 50% | 20% | | WAPE | ApeChain | 33.3% | 15% | | TIBBIR | Base | 20% | 52.7% | | DMT | Ethereum | 25% | 45% | | KTA | Base | 25% | 25% | | WQUIL | Ethereum | 25% | 45% | | AAVE | Ethereum | 33.3% | 15% | | ONDO | Ethereum | 28.6% | 25% | | CLANKER | Base | 21.1% | 25% | | WHYPE | HyperEVM | 25% | 15% | | LINK | Ethereum | 33.3% | 25% | | AERO | Base | 25% | 25% | | BNKR | Base | 20% | 45% | - [Borrow against WETH](https://pro.teller.org/collateral/weth): Live Teller pool terms for WETH collateral on Ethereum, Base and Polygon: max LTV, cheapest APR, and USDC available today. Fixed-term loans with no margin calls. - [Borrow against cbBTC](https://pro.teller.org/collateral/cbbtc): Live Teller pool terms for Coinbase Wrapped BTC on Base: max LTV, cheapest APR, and USDC available today. Fixed-term bitcoin loans with no margin calls. - [Borrow against WBTC](https://pro.teller.org/collateral/wbtc): Live Teller pool terms for WBTC collateral: max LTV, cheapest APR, and USDC available today. Fixed-term bitcoin-backed loans with no margin calls. - [Borrow against PAXG](https://pro.teller.org/collateral/paxg): Live Teller pool terms for Paxos Gold collateral: max LTV, APR, and USDC available today. Borrow dollars against an ounce of gold without selling it. - [Borrow against tokenized Apple](https://pro.teller.org/collateral/aaplon): Live Teller pool terms for Ondo's tokenized Apple share on Ethereum: the widest max LTV on the platform, lending USDC, with no liquidation during the term. - [Borrow against tokenized NVIDIA](https://pro.teller.org/collateral/nvdaon): Live Teller pool terms for Ondo's tokenized NVIDIA share on Ethereum: the same max LTV as wrapped bitcoin at a fraction of the rate, lending USDC. - [Borrow against tokenized Alphabet](https://pro.teller.org/collateral/googlon): Live Teller pool terms for Ondo's tokenized Alphabet Class A share on Ethereum: the second-widest max LTV on the platform, lending USDC. - [Borrow against tokenized Tesla](https://pro.teller.org/collateral/tslaon): Live Teller pool terms for Ondo's tokenized Tesla share on Ethereum: max LTV and APR, lending USDC, and how it compares with the xStocks version. - [Borrow against tokenized Circle](https://pro.teller.org/collateral/crclon): Live Teller pool terms for Ondo's tokenized Circle share on Ethereum: max LTV and APR, lending the stablecoin Circle itself issues. - [Borrow against tokenized Alibaba](https://pro.teller.org/collateral/babaon): Live Teller pool terms for Ondo's tokenized Alibaba share on Ethereum: max LTV and APR, lending USDC. The only non-US company in the tokenized set. - [Borrow against tokenized Coinbase](https://pro.teller.org/collateral/coinon): Live Teller pool terms for Ondo's tokenized Coinbase share on Ethereum: max LTV and APR, lending USDC, and why correlated equity collateral behaves differently. - [Borrow against tokenized silver](https://pro.teller.org/collateral/slvon): Live Teller pool terms for Ondo's tokenized iShares Silver Trust on Ethereum: max LTV and APR, lending USDC, at the same terms as tokenized gold. - [Borrow against TSLAx](https://pro.teller.org/collateral/tslax): Live Teller pool terms for the xStocks tokenized Tesla share on Ethereum: max LTV and APR, lending USDC, and how it differs from the Ondo version. - [Borrow against XDC](https://pro.teller.org/collateral/wxdc): Live Teller pool terms for wrapped XDC collateral: max LTV, APR and USDC available today. Fixed-term loans on XDC Network with no margin calls. - [Borrow against ApeCoin](https://pro.teller.org/collateral/ape): Live Teller pool terms for ApeCoin collateral on Arbitrum, Ethereum, ApeChain and HyperEVM: max LTV, cheapest APR, and USDC available today. - [Borrow against cbXRP](https://pro.teller.org/collateral/cbxrp): Live Teller pool terms for Coinbase Wrapped XRP on Base: max LTV, APR, and USDC available today. The route for XRP holders who want dollars without selling. - [Borrow against WBNB](https://pro.teller.org/collateral/wbnb): Live Teller pool terms for wrapped BNB collateral on BNB Chain: max LTV, APR and USDC available today. Fixed-term loans with no margin calls. - [Borrow against CAKE](https://pro.teller.org/collateral/cake): Live Teller pool terms for PancakeSwap CAKE collateral on BNB Chain: max LTV, APR and USDC available today. Fixed-term loans with no margin calls. - [Borrow against AAVE](https://pro.teller.org/collateral/aave): Live Teller pool terms for AAVE collateral on Ethereum: max LTV, APR and USDC available today. A fixed-term loan with no health factor to defend. - [Borrow against ONDO](https://pro.teller.org/collateral/ondo): Live Teller pool terms for ONDO collateral on Ethereum: max LTV, APR and USDC available today. Fixed-term loans with no margin calls. - [Borrow against LINK](https://pro.teller.org/collateral/link): Live Teller pool terms for Chainlink LINK collateral on Ethereum: max LTV, APR and USDC available today. Fixed-term loans with no margin calls. - [Borrow against AERO](https://pro.teller.org/collateral/aero): Live Teller pool terms for Aerodrome AERO collateral on Base: max LTV, APR and USDC available today. Fixed-term loans with no margin calls. - [Borrow against WHYPE](https://pro.teller.org/collateral/whype): Live Teller pool terms for wrapped HYPE collateral on HyperEVM: max LTV and APR, lending USDT. Fixed-term loans with no margin calls. - [Borrow against LDO](https://pro.teller.org/collateral/ldo): Live Teller pool terms for Lido DAO LDO collateral on Ethereum: max LTV, APR and USDC available today. Fixed-term loans with no margin calls. - [Borrow against pufETH](https://pro.teller.org/collateral/pufeth): Live Teller pool terms for Puffer pufETH collateral on Ethereum: the platform's highest max LTV, lending USDC, with staking accruing while deposited. - [Borrow against cbETH](https://pro.teller.org/collateral/cbeth): Live Teller pool terms for Coinbase Wrapped Staked ETH on Base: max LTV and APR, lending USDC. Staking accrues while deposited, with no margin calls. - [Borrow against UNI](https://pro.teller.org/collateral/uni): Live Teller pool terms for Uniswap UNI collateral on Ethereum: max LTV and APR, lending USDC. Fixed-term loans with no margin calls. - [Borrow against COMP](https://pro.teller.org/collateral/comp): Live Teller pool terms for Compound COMP collateral on Ethereum and Arbitrum: max LTV and APR, lending USDC with no health factor to defend. - [Borrow against PENDLE](https://pro.teller.org/collateral/pendle): Live Teller pool terms for Pendle PENDLE collateral on Ethereum: max LTV and APR, lending USDC. Fixed-term loans with no margin calls. - [Borrow against MORPHO](https://pro.teller.org/collateral/morpho): Live Teller pool terms for MORPHO collateral on Base: max LTV and APR, lending USDC with no liquidation threshold during the term. - [Borrow against SUSHI](https://pro.teller.org/collateral/sushi): Live Teller pool terms for SushiSwap SUSHI collateral on Ethereum: max LTV and APR, lending USDC at one of the platform's lowest rates. - [Borrow against ENS](https://pro.teller.org/collateral/ens): Live Teller pool terms for ENS token collateral on Ethereum: max LTV and APR, lending USDC. Your .eth name stays yours. No margin calls. - [Borrow against SKY](https://pro.teller.org/collateral/sky): Live Teller pool terms for Sky SKY collateral on Ethereum, the token MKR converted into: max LTV and APR, lending USDC with no liquidation ratio. - [Borrow against SYRUP](https://pro.teller.org/collateral/syrup): Live Teller pool terms for Maple SYRUP collateral on Ethereum: max LTV and APR, lending USDC with a rate and a date agreed upfront. - [Borrow against SNX](https://pro.teller.org/collateral/snx): Live Teller pool terms for Synthetix SNX collateral on Ethereum: max LTV and APR, lending USDC on a fixed term with no debt pool exposure. - [Borrow against EIGEN](https://pro.teller.org/collateral/eigen): Live Teller pool terms for EigenLayer EIGEN collateral on Ethereum: max LTV and APR, lending USDC with no slashing exposure added. - [Borrow against COW](https://pro.teller.org/collateral/cow): Live Teller pool terms for CoW Protocol COW collateral on Ethereum: max LTV and APR, lending USDC with terms settled the moment you sign. - [Borrow against WELL](https://pro.teller.org/collateral/well): Live Teller pool terms for Moonwell WELL collateral on Base: max LTV and APR, lending USDC with no collateral factor to watch. - [Borrow against DEGEN](https://pro.teller.org/collateral/degen): Live Teller pool terms for DEGEN collateral on Base: max LTV and APR, lending USDC. No major money market accepts DEGEN. No margin calls. - [Borrow against TOSHI](https://pro.teller.org/collateral/toshi): Live Teller pool terms for TOSHI collateral on Base: max LTV and APR, lending USDC against one of the deeper memecoin books. No margin calls. - [Borrow against VIRTUAL](https://pro.teller.org/collateral/virtual): Live Teller pool terms for VIRTUAL collateral on Base: max LTV and APR, lending USDC against the base pair of the Virtuals ecosystem. - [Borrow against ZORA](https://pro.teller.org/collateral/zora): Live Teller pool terms for ZORA collateral on Base: max LTV and APR, lending USDC. Cover the gap between payouts without selling. No margin calls. - [Borrow against KAITO](https://pro.teller.org/collateral/kaito): Live Teller pool terms for KAITO collateral on Base: max LTV and APR, lending USDC against a distributed balance without selling it. - [Borrow against BTCB](https://pro.teller.org/collateral/btcb): Live Teller pool terms for BTCB collateral on BNB Chain: max LTV and APR, lending USDC against bitcoin without bridging to Ethereum. - [Borrow against DOGE](https://pro.teller.org/collateral/doge): Live Teller pool terms for Binance-peg DOGE collateral on BNB Chain: max LTV and APR, lending USDC. The Dogecoin chain hosts no lending. - [Borrow against PURR](https://pro.teller.org/collateral/purr): Live Teller pool terms for PURR collateral on HyperEVM: max LTV and APR, lending USDT. Almost no other venue accepts it. No margin calls. - [Borrow against xHYPE](https://pro.teller.org/collateral/xhype): Live Teller pool terms for xHYPE on HyperEVM: max LTV and APR, lending USDT, with the staking position intact while the collateral is held. - [Borrow against UPUMP](https://pro.teller.org/collateral/upump): Live Teller pool terms for Unit Pump on HyperEVM: max LTV and APR, lending USDT. The token uses six decimals rather than the usual eighteen. - [Borrow against PGOLD](https://pro.teller.org/collateral/pglod): Live Teller pool terms for Pleasing Gold on ApeChain, listed as PGLOD and reporting PGOLD on-chain. The widest max LTV on the chain. - [Borrow against NGT](https://pro.teller.org/collateral/ngt): Live Teller pool terms for Not a Gold Token on ApeChain: max LTV and APR, with no liquidation during the term. - [Borrow against PIXL](https://pro.teller.org/collateral/pixl): Live Teller pool terms for PIXL on Ethereum: the widest ceiling in the Ethereum long tail, lending USDC, with no liquidation during the term. - [Borrow against BARD](https://pro.teller.org/collateral/bard): Live Teller pool terms for BARD on Ethereum, whose contract reads Lombard: max LTV and APR, lending USDC, with no liquidation during the term. - [Borrow against BEAM](https://pro.teller.org/collateral/beam): Live Teller pool terms for BEAM on Ethereum: max LTV and APR, lending USDC, with no liquidation during the term. - [Borrow against wTAO](https://pro.teller.org/collateral/wtao): Live Teller pool terms for wrapped Bittensor TAO on Ethereum: max LTV and APR, lending USDC. Cover running costs without selling emissions. - [Borrow against TON](https://pro.teller.org/collateral/ton): Live Teller pool terms for bridged Toncoin on Ethereum: max LTV and APR, lending USDC. A wider ceiling and cheaper rate than most long-tail collateral. - [Borrow against W](https://pro.teller.org/collateral/w): Live Teller pool terms for Wormhole's W token on Ethereum: max LTV and APR, lending USDC. Fixed-term loans with no liquidation during the term. - [Borrow against BAT](https://pro.teller.org/collateral/bat): Live Teller pool terms for Basic Attention Token collateral on Ethereum: max LTV and APR, lending USDC. No margin calls. - [Borrow against SAND](https://pro.teller.org/collateral/sand): Live Teller pool terms for The Sandbox SAND collateral on Ethereum: max LTV and APR, lending USDC. Your LAND stays yours. No margin calls. - [Borrow against CLANKER](https://pro.teller.org/collateral/clanker): Live Teller pool terms for CLANKER on Base: max LTV and APR, lending USDC. One of the deeper books in the Base long tail, with no liquidation during the term. - [Borrow against BNKR](https://pro.teller.org/collateral/bnkr): Live Teller pool terms for BNKR on Base. The only seven-day cycle on the platform, so the rate is pro-rated across a week rather than a month. - [Borrow against TIBBIR](https://pro.teller.org/collateral/tibbir): Live Teller pool terms for TIBBIR on Base: max LTV and APR, lending USDC. The platform's highest rate, read as a monthly cost rather than an annual one. - [Borrow against LFI](https://pro.teller.org/collateral/lfi): Live Teller pool terms for LienFi on Base: max LTV and APR, lending USDC, with more lending capacity than most of the Base long tail. - [Borrow against DRB](https://pro.teller.org/collateral/drb): Live Teller pool terms for DebtReliefBot on Base: max LTV and APR, lending USDC, and how repaying early changes what a high-rate loan costs. - [Borrow against AVNT](https://pro.teller.org/collateral/avnt): Live Teller pool terms for Avantis on Base: max LTV and APR, lending USDC, and how a pool values collateral once at origination rather than continuously. - [Borrow against VCNT](https://pro.teller.org/collateral/vcnt): Live Teller pool terms for ViciCoin on Base: the cheapest rate in the Base long tail, lending USDC, with no liquidation during the term. - [Borrow against INTO](https://pro.teller.org/collateral/into): Live Teller pool terms for intori on Base: the narrowest max LTV on the platform, lending USDC, with no liquidation during the term. - [Borrow against BRACKY](https://pro.teller.org/collateral/bracky): Live Teller pool terms for BRACKY collateral on Base: max LTV, APR and USDC available, with no liquidation during the term. - [Borrow against VEIL](https://pro.teller.org/collateral/veil): Live Teller pool terms for VEIL Token collateral on Base: max LTV, APR and USDC available, with no liquidation during the term. - [Borrow against FACY](https://pro.teller.org/collateral/facy): Live Teller pool terms for FACY, the ArAIstotle by Virtuals agent token on Base: max LTV, APR and USDC available, with no liquidation during the term. - [Borrow against PREDI](https://pro.teller.org/collateral/predi): Live Teller pool terms for Predi by Virtuals on Base: max LTV, APR and USDC available, with no liquidation during the term. - [Borrow against Clankermon](https://pro.teller.org/collateral/clankermon): Live Teller pool terms for Clankermon collateral on Base: max LTV, APR and USDC available, with no liquidation during the term. - [Borrow against $checkr](https://pro.teller.org/collateral/checkr): Live Teller pool terms for Checkr collateral on Base: max LTV, APR and USDC available, with no liquidation during the term. - [Borrow against RNBW](https://pro.teller.org/collateral/rnbw): Live Teller pool terms for Rainbow collateral on Base: max LTV, one of the lowest APRs on the Base list, and USDC available. - [Borrow against ELSA](https://pro.teller.org/collateral/elsa): Live Teller pool terms for Elsa collateral on Base: max LTV, APR and USDC available, with no liquidation during the term. - [Borrow against MOLT](https://pro.teller.org/collateral/molt): Live Teller pool terms for Moltbook collateral on Base: the widest max LTV on the Base list, its APR, and USDC available. - [Borrow against MOCHI](https://pro.teller.org/collateral/mochi): Live Teller pool terms for Mochi collateral on Base: max LTV, APR and USDC available, with no liquidation during the term. - [Borrow against QR](https://pro.teller.org/collateral/qr): Live Teller pool terms for QR coin collateral on Base: max LTV, APR and USDC available, with no liquidation during the term. - [Borrow against KTA](https://pro.teller.org/collateral/kta): Live Teller pool terms for KTA on Base: the widest ceiling in the chain's long tail, so each dollar borrowed needs less collateral behind it. - [Borrow against BRETT](https://pro.teller.org/collateral/brett): Live Teller pool terms for BRETT on Base: max LTV and APR, lending USDC. A wider ceiling than thinner Base rows, with no liquidation during the term. - [Borrow against AIXBT](https://pro.teller.org/collateral/aixbt): Live Teller pool terms for AIXBT on Base: max LTV and APR, lending USDC against the Virtuals-issued agent token, with no liquidation during the term. - [Borrow against mfercoin](https://pro.teller.org/collateral/mfer): Live Teller pool terms for mfercoin on Base: max LTV and APR, lending USDC, with no liquidation during the term. - [Borrow against doginme](https://pro.teller.org/collateral/doginme): Live Teller pool terms for doginme on Base: max LTV and APR, lending USDC. Collateral is priced in dollars, not in token count. - [Borrow against TYBG](https://pro.teller.org/collateral/tybg): Live Teller pool terms for TYBG on Base: max LTV and APR, lending USDC. The largest token supply on the platform, with no liquidation during the term. - [Borrow against HYDX](https://pro.teller.org/collateral/hydx): Live Teller pool terms for Hydrex on Base: max LTV and APR, lending USDC. The tightest token supply in the Base set, with no liquidation during the term. - [Borrow against MIGGLES](https://pro.teller.org/collateral/miggles): Live Teller pool terms for Mister Miggles on Base: max LTV and APR, lending USDC, with no liquidation during the term. - [Borrow against HIGHER](https://pro.teller.org/collateral/higher): Live Teller pool terms for HIGHER on Base: max LTV and APR, lending USDC. How rolling a term works and what re-prices when you do. - [Borrow against MAMO](https://pro.teller.org/collateral/mamo): Live Teller pool terms for MAMO on Base: max LTV and APR, lending USDC, plus what the approval transaction authorises and how to bound it. - [Borrow against FAI](https://pro.teller.org/collateral/fai): Live Teller pool terms for FAI on Base: max LTV and APR, lending USDC, with the full cost of a loan broken down into interest, fees and gas. - [Borrow against NATIVE](https://pro.teller.org/collateral/native): Live Teller pool terms for NATIVE on Base: max LTV and APR, lending USDC. How to identify a token whose ticker is also a common word. - [Borrow against DICKBUTT](https://pro.teller.org/collateral/dickbutt): Live Teller pool terms for DICKBUTT on Base: max LTV and APR, lending USDC. What forfeit means at the due date, and why it is not a liquidation. - [Borrow against WLFI](https://pro.teller.org/collateral/wlfi): Live Teller pool terms for World Liberty Financial's WLFI on Ethereum: max LTV and APR, lending USDC, with no liquidation during the term. - [Borrow against IXS](https://pro.teller.org/collateral/ixs): Live Teller pool terms for IX Swap's IXS token on Ethereum: max LTV and APR, lending USDC, at a rate well under the long-tail norm. - [Borrow against DMT](https://pro.teller.org/collateral/dmt): Live Teller pool terms for DMT on Ethereum and Arbitrum: max LTV and APR on each chain, lending USDC, with no liquidation during the term. - [Borrow against wQUIL](https://pro.teller.org/collateral/wquil): Live Teller pool terms for wrapped QUIL on Ethereum: max LTV and APR, lending USDC. Cover hardware costs on a monthly cycle without selling the position. - [Borrow against MOON](https://pro.teller.org/collateral/moon): Live Teller pool terms for r/CryptoCurrency Moons on Arbitrum: max LTV and APR, lending USDC, with no liquidation during the term. - [Borrow against MOG](https://pro.teller.org/collateral/mog): Live Teller pool terms for MOG collateral on Ethereum: max LTV and APR, lending USDC on a 30-day cycle. No margin calls. - [Borrow against SPX](https://pro.teller.org/collateral/spx): Live Teller pool terms for SPX6900 collateral on Ethereum: max LTV and APR, lending USDC. The platform's most conservative ceiling. - [Borrow against ELON](https://pro.teller.org/collateral/elon): Live Teller pool terms for Dogelon on Ethereum: max LTV and APR, lending USDC. The one asset here that is both collateral and a borrowable principal. - [Borrow against APU](https://pro.teller.org/collateral/apu): Live Teller pool terms for Apu Apustaja on Ethereum: max LTV and APR, lending USDC, with no liquidation during the term. - [Borrow against BITCOIN the token](https://pro.teller.org/collateral/bitcoin): Live Teller pool terms for the Ethereum token trading as BITCOIN. Not bitcoin: the contract reads HarryPotterObamaSonic10Inu. Max LTV and APR, lending USDC. - [Borrow against PNKSTR](https://pro.teller.org/collateral/pnkstr): Live Teller pool terms for PunkStrategy on Ethereum: max LTV and APR, lending USDC, with no liquidation during the term. - [Borrow against CHMPSTR](https://pro.teller.org/collateral/chmpstr): Live Teller pool terms for ChimpStrategy on Ethereum: max LTV and APR, lending USDC at a rate well under the Ethereum long-tail norm. - [Borrow against PEPE](https://pro.teller.org/collateral/pepe): Live Teller pool terms for PEPE collateral on Ethereum and Base: max LTV and APR per chain, lending USDC. Fixed-term loans with no margin calls. - [Borrow against SHIB](https://pro.teller.org/collateral/shib): Live Teller pool terms for Shiba Inu SHIB collateral on Ethereum: max LTV and APR, lending USDC. Fixed-term loans with no margin calls. - [Borrow against tokenized stocks](https://pro.teller.org/collateral/type/stocks): Teller pools accept tokenized Apple, Tesla, NVIDIA, Alphabet, Coinbase, Circle and Alibaba shares as loan collateral. Live LTV, APR and available liquidity. - [Borrow against liquid staking tokens](https://pro.teller.org/collateral/type/liquid-staking): Teller pools accept pufETH and cbETH as loan collateral at the platform's highest ceilings. Live max LTV and APR, with no mid-loan liquidation. - [Borrow against DeFi governance tokens](https://pro.teller.org/collateral/type/defi): Teller pools accept UNI, COMP, SUSHI, SNX, PENDLE, ENS, SKY, COW, EIGEN, SYRUP and MORPHO as loan collateral. Live max LTV and APR, with no health factor. - [Borrow against Base memecoins](https://pro.teller.org/collateral/type/memecoins): Teller pools accept DEGEN, TOSHI, BRETT, CLANKER and other Base tokens as loan collateral. Live LTV, APR and USDC available, with no mid-term liquidation. - [Borrow against Ethereum memecoins](https://pro.teller.org/collateral/type/ethereum-memecoins): Teller pools accept PEPE, SHIB, MOG, SPX and other Ethereum tokens as loan collateral. Live max LTV and APR per asset, with no mid-loan liquidation. - [Borrow against ApeChain assets](https://pro.teller.org/collateral/type/apechain): Teller pools accept WAPE, NGT, PNutz, WONG and wrapped ether on ApeChain as loan collateral. Live max LTV and APR per asset, with no margin calls. - [Borrow against HyperEVM assets](https://pro.teller.org/collateral/type/hyperevm): Teller pools accept WHYPE, PURR, xHYPE and UPUMP on HyperEVM as loan collateral. Live max LTV and APR per asset, with no margin calls. - [Borrow against BNB Chain assets](https://pro.teller.org/collateral/type/bnb-chain): Teller pools accept BTCB, Binance-peg DOGE and wrapped ether on BNB Chain as loan collateral. Live max LTV and APR, with cents in gas and no margin calls. - [Borrow against single-pool assets](https://pro.teller.org/collateral/type/single-pool-assets): Teller pools accept DMT, wQUIL, WLFI, IXS, Toncoin and r/CryptoCurrency Moons as loan collateral, one pool each. Live max LTV and APR per asset. ## Guides - [New Collateral: $DEBIT](https://pro.teller.org/blog/new-collateral-debit): Borrow against DEBIT on BNB Chain through Teller or Debit AI. Learn how fixed-term loans, no margin calls during the term, repayment, and rollovers work. - [New Collateral: $PONS](https://pro.teller.org/blog/new-collateral-pons): PONS on Robinhood Chain is now supported as Teller collateral. Explore borrowing through Debit AI and potential collateral support for graduating pons tokens. - [New Collateral: $STRATEGY, $MSTR](https://pro.teller.org/blog/new-collateral-strategy-mstr): Strategy Coin (STRATEGY) and tokenized MSTR on Robinhood Chain are now supported Teller collateral. What each asset is, what collateral support unlocks, and how borrowing works through Teller or Debit AI. - [New Teller Collateral: hyperRAM on HyperEVM](https://pro.teller.org/blog/new-collateral-hyperram): hyperRAM, the liquid-staked form of Ramses Exchange's xRAM, is now supported Teller collateral on HyperEVM. What the asset is, what collateral support opens up, and how a hand-priced offer differs from an oracle-priced one. - [New Teller Collateral: EGG, MarsCoin, and Basecat](https://pro.teller.org/blog/new-collateral-egg-marscoin-basecat): EGG on HyperEVM, MarsCoin on BNB Chain, and Basecat on Base are now supported Teller collateral. Liquidity, contract addresses, and what pools can be opened against them. - [Loan pre-qualification with no hard credit pull (2026 guide)](https://pro.teller.org/blog/loan-prequalification-no-hard-pull): Personal loan prequalification no hard pull: how soft checks work under the FCRA, prequalification vs preapproval, and when a hard credit pull actually happens. - [Personal loans with a soft credit check only: US guide (2026)](https://pro.teller.org/blog/personal-loans-soft-credit-check-only): Personal loans soft credit check only: which parts of the process really stay soft, how to shop rates with no hard credit pull, and the red flags to avoid. - [Loan marketplaces vs direct lenders: pros and cons (2026)](https://pro.teller.org/blog/loan-marketplace-vs-direct-lender): Loan marketplace vs direct lender: honest pros and cons, who should use which, and how a marketplace checks many lenders with no hard credit pull up front. - [Unsecured crypto loans: requirements & credit checks (2026)](https://pro.teller.org/blog/unsecured-crypto-loan-requirements): Unsecured crypto loan requirements in 2026: state, age, income, credit tier, identity — why a credit check is needed and how to pre-qualify with no hard pull. - [Fees to watch in no-collateral lending (2026 guide)](https://pro.teller.org/blog/no-collateral-loan-fees): No collateral loan fees explained: origination, late fees, APR vs interest rate, prepayment — plus the upfront-fee red flags that mark a crypto loan scam. - [Can an unsecured loan build credit? On + off-chain (2026)](https://pro.teller.org/blog/build-credit-with-unsecured-loan): Can you build credit with an unsecured loan? How installment loans affect FICO, whether DeFi loans report to bureaus, and how an on-chain score fills the gap. - [Personal loans for fair credit (640–689) in the US (2026)](https://pro.teller.org/blog/personal-loans-fair-credit): Personal loans for fair credit (640-689): what lenders see, realistic expectations, and why soft-check prequal with no hard credit pull is the right first step. - [Personal loans with a thin credit file in the US (2026)](https://pro.teller.org/blog/personal-loans-thin-credit-file): Personal loans with a thin credit file: options for young borrowers and immigrants, alternative data lenders use, and prequalifying with no hard credit pull. - [Personal loans with a 600 credit score: real options (2026)](https://pro.teller.org/blog/personal-loans-600-credit-score): Loans for credit score 600: real options — credit unions, marketplaces, secured routes — payday-loan warnings, and prequal with no hard credit pull. - [Teller vs Aave: which should you borrow with? (2026)](https://pro.teller.org/blog/teller-vs-aave): Teller vs Aave for borrowers: Aave's overcollateralized DeFi money market vs Teller's no-collateral loans and no-margin-call crypto loans. No hard credit pull. - [Teller vs Nexo: crypto borrowing compared (2026)](https://pro.teller.org/blog/teller-vs-nexo): Teller vs Nexo: Nexo's custodial credit lines with margin calls vs Teller's no-collateral loans and non-custodial fixed terms. No hard credit pull. - [Teller vs Ledn: BTC-backed vs no-collateral (2026)](https://pro.teller.org/blog/teller-vs-ledn): Teller vs Ledn: Ledn's custodial BTC-backed loans with margin calls vs Teller's no-collateral loans and no-margin-call terms. No hard credit pull. - [Teller vs SoFi: personal loans compared (2026)](https://pro.teller.org/blog/teller-vs-sofi): Teller vs SoFi for a personal loan: a marketplace matching many lenders off one soft check vs a single direct lender for strong credit. No hard pull. - [Same-day personal loans in the US: what's realistic (2026)](https://pro.teller.org/blog/same-day-personal-loans-us): Same day personal loans in the US: how instant approval, instant decision, and same-day funding differ — and how to pre-qualify with no hard credit pull. - [Debt consolidation loans: how to pre-qualify in 2026](https://pro.teller.org/blog/debt-consolidation-loans): How a personal loan for debt consolidation works, when it helps vs. hurts, and how to pre-qualify across multiple lenders with no hard credit pull in 2026. - [How to consolidate credit card debt in the US (2026)](https://pro.teller.org/blog/consolidate-credit-card-debt): Four legitimate ways to consolidate credit card debt in 2026 — loan, balance transfer, DMP, or a payoff plan — and how to compare them with no hard credit pull. - [Debt consolidation loans for bad credit: US options (2026)](https://pro.teller.org/blog/debt-consolidation-bad-credit): Debt consolidation loans for bad credit in 2026: realistic US options in order, red flags to avoid, and how to check what you match with no hard credit pull. - [Does debt consolidation hurt your credit? (2026 answer)](https://pro.teller.org/blog/does-debt-consolidation-hurt-credit): Does debt consolidation hurt your credit? A small short-term dip, then usually a gain as utilization falls — and checking rates with no hard pull costs nothing. - [Personal loans for medical bills: options in the US (2026)](https://pro.teller.org/blog/personal-loan-medical-bills): Before a personal loan for medical bills: negotiate, ask about charity care and 0% hospital plans. When a loan makes sense — pre-qualify, no hard credit pull. - [Home improvement loans without home equity (2026 guide)](https://pro.teller.org/blog/personal-loan-home-improvement): Personal loan for home improvement vs. HELOC vs. cash-out refi: speed, collateral, and closing costs compared — how to pre-qualify with no hard credit pull. - [HELOC vs home equity loan: which to pick in 2026](https://pro.teller.org/blog/heloc-vs-home-equity-loan): HELOC vs home equity loan: revolving variable-rate line vs fixed-rate lump sum. Which fits your project — and how to pre-qualify with no hard credit pull. - [HELOC requirements: credit, equity, income (2026 US guide)](https://pro.teller.org/blog/heloc-requirements): HELOC requirements in the US: the equity, credit, income, and DTI bars lenders check, how the process runs, and how to see where you fit — no hard credit pull. - [HELOC vs cash-out refinance: how to choose (2026)](https://pro.teller.org/blog/heloc-vs-cash-out-refinance): HELOC vs cash out refinance: why your existing mortgage rate usually decides it in 2026, closing costs compared, and how to pre-qualify with no hard credit pull. - [Personal loans for freelancers & the self-employed (2026)](https://pro.teller.org/blog/loans-for-freelancers): Loans for freelancers in the US: how to prove self-employed income — tax returns, bank inflows, even recurring USDC — and pre-qualify with no hard credit pull. - [Unsecured business loans: no-collateral options (2026 US)](https://pro.teller.org/blog/unsecured-business-loans): Unsecured business loans in the US: what no-collateral means, personal guarantees, UCC liens, MCA red flags, and how to pre-qualify with no hard credit pull. - [Business loan vs line of credit: which fits? (2026)](https://pro.teller.org/blog/business-loan-vs-line-of-credit): Business loan vs line of credit: how each works, when a term loan or revolving credit fits, and how to pre-qualify for both at once with no hard credit pull. - [How to qualify for a small business loan (2026 US guide)](https://pro.teller.org/blog/business-loan-requirements): Small business loan requirements in the US: the five things lenders check, the documents to prepare, and how to check eligibility with no hard credit pull. - [Is Teller legit? How Teller works and makes money (2026)](https://pro.teller.org/blog/is-teller-legit): Is Teller legit? How the loan marketplace and non-custodial protocol work, how Teller makes money, and how to verify any lending site — no hard credit pull. - [How to spot no-collateral crypto loan scams (2026)](https://pro.teller.org/blog/avoid-no-collateral-loan-scams): No collateral crypto loan scams run on upfront fees, seed-phrase phishing, and fake platforms. Red flags, a legitimacy checklist, and the legit soft-pull path. - [US regulation of unsecured crypto lending, explained (2026)](https://pro.teller.org/blog/us-crypto-lending-regulation): US regulations on unsecured crypto lending, explained: state licenses, APR disclosures, soft vs hard credit pulls, and why loan availability differs by state. - [Crypto loans and US taxes: what borrowers should know (2026)](https://pro.teller.org/blog/crypto-lending-taxes-us): Crypto lending taxes in the US: why loan proceeds generally aren't income, how borrowing against crypto defers capital gains, and when tax can show up. - [Swaps are live in Teller, routed through ShapeShift](https://pro.teller.org/blog/swaps-are-live-teller-shapeshift): Swaps are live in Teller: swap across EVM chains without leaving the app, routed through ShapeShift's multi-chain aggregation API. How the routing works. - [No-collateral loans: how Teller pre-qualification works (2026)](https://pro.teller.org/blog/no-collateral-prequalification): How Teller pre-qualification works for a no-collateral loan: a soft check in about 4 minutes, no hard credit pull, that tells you whether you pre-qualify. - [Asset-backed loans with no margin calls (2026 guide)](https://pro.teller.org/blog/asset-backed-loans-no-margin-call): Asset-backed loans with no margin calls: borrow against BTC, ETH, and tokenized stocks like TSLA without selling, and without forced mid-term liquidation. - [On-chain credit score: what it is and how to build one in 2026](https://pro.teller.org/blog/on-chain-credit-score): What an on-chain credit score is, how the Teller Score reads your wallet history, how it differs from FICO, and how it feeds prequal with no hard pull. - [How crypto-backed loans work (2026 borrower's guide)](https://pro.teller.org/blog/how-crypto-backed-loans-work): How crypto-backed loans work: LTV limits, liquidation and repayment mechanics, what drives interest rates, and how no-margin-call fixed-term loans differ. - [Crypto loans without collateral in the US: what exists in 2026](https://pro.teller.org/blog/no-collateral-crypto-loans): Looking for a no collateral crypto loan? What's real in the US in 2026, what's a scam, why flash loans don't count, and how to pre-qualify with no hard pull. - [How to borrow against your crypto without selling (2026)](https://pro.teller.org/blog/borrow-against-crypto-without-selling): How to borrow against crypto without selling: compare CeFi, DeFi, and fixed-term no-margin-call loans, plus the tax logic of borrowing instead of selling. - [Non-custodial USDC wallet: what it is and how to pick one](https://pro.teller.org/blog/non-custodial-usdc-wallet): What a non-custodial USDC wallet is, custodial vs non-custodial trade-offs, which wallets to pick, and how self-custody history helps you borrow. - [USDC vs USDT: which stablecoin should you hold in 2026?](https://pro.teller.org/blog/usdc-vs-usdt): USDC vs USDT compared: issuers, reserves, regulation, chain support, and which stablecoin fits loan payouts, DeFi, and everyday holding in the US. - [DeFi lending explained: how it works and how to use it safely](https://pro.teller.org/blog/defi-lending-explained): DeFi lending explained: how pool rates and liquidations work, DeFi vs CeFi vs marketplace loans compared, and which structures survive bear markets. - [Borrow & Earn With No Margin Calls: How Teller Works](https://pro.teller.org/blog/borrow-earn-no-margin-calls-how-teller-works): Borrow against crypto with no margin calls during the loan term. Learn how Teller lending pools, fixed terms, rollovers, and overdue-loan auctions work. ## Other pages - [Teller Credit — qualification middleware](https://pro.teller.org/credit) - [Terms](https://pro.teller.org/terms) - [Privacy](https://pro.teller.org/privacy)