CoinLoan Review 2021: Reliable Crypto Lending and Savings Platform

Сrypto industry is taking the world by storm. As bank interest rates keep falling, crypto stands out as a better way to earn interest on your money.

However, some people see banks as a safer and more understandable way to maintain funds. The most likely reason for such a behavior lies in crypto lending being uncharted waters for many. Trust is vital: nobody wishes to take a leap of faith and rely on questionable projects.

In these circumstances, doing your own research is essential: what matters the most is the company’s reputation. Not only must it be a long-time market player but regulated. Regulation is something that many companies lack, but it’s necessary to act legally.

One of those reputable and regulated companies is CoinLoan.

The company is an internationally licensed and regulated crypto lending platform offering conventional financial services, such as storing and borrowing funds, but for digital assets. You can earn interest on crypto at a much higher rate compared to traditional banks.

About CoinLoan

Founded in 2017, CoinLoan is the only European licensed and regulated crypto lending service with headquarters in Tallinn, Estonia, covering 160+ countries worldwide. Unlike the semi-legal & unregulated competitors, CoinLoan is legally present in the US, UK, and several EU countries.

CoinLoan has a wide range of services: crypto lending, borrowing, and swapping:

Furthermore, CoinLoan also has an affiliate program allowing clients to earn lifetime revenue from referrals’ Interest Account deposits. Simple UI and 24/7 support provide a smooth user experience.

CoinLoan Services

There are three primary services by CoinLoan that deserve a deeper dive:

CoinLoan Earn

CoinLoan Earn is a crypto interest account that enables users to earn compound interest and receive 12.3% APY by storing their digital assets, much like a conventional savings account. You can also deposit various fiat assets like EUR and GBP and cryptos like BTC, ETH, XRP, USDT to earn high-interest rates with no lockups or freezes. You can withdraw your crypto and fiat with zero fees at any time.

CoinLoan Interest Account dashboard


All of these features offer you a reliable way to earn interest on bitcoin or whatever asset you choose to deposit, all while giving you the flexibility of having constant and instant access to your money.

CoinLoan Borrow

CoinLoan Borrow is a crypto lending service where users can take out customizable crypto-backed loans to get cash without selling their digital assets.

When getting a standard loan, you have to jump through many hoops to get your inquiry approved, and it can be a tiresome and lengthy process with no guarantee of a successful outcome. CoinLoan Borrow offers a quick and straightforward process compared to conventional loans: no lengthy credit history checks or additional info submission. All you need is a collateral asset to guarantee future repayment.

CoinLoan loans management dashboard

You can choose your repayment period with a minimum duration of 30 days and a maximum of three years. If you decide to repay the loan early, you can easily do so without penalties. The only fee you will need to cover is the interest for the actual loan period.

Further, the interest rate is customizable and based on the Loan-to-Value rate. The more collateral you provide, the better the interest rate you get.

CoinLoan Trade

If you need to buy new crypto tokens, you can use CoinLoan Trade, the platform’s crypto trading service, and exchange cryptocurrency instantly. There are more than 140 crypto pairs available. You can also purchase crypto with fiat and then get a payout in fiat for crypto.


CoinLoan asset management dashboard

Simple and easy workflow allows you to exchange cryptocurrency at reasonable rates in just a few clicks. The availability of all the major fiat payment systems on the platform makes the crypto exchange experience smooth and limitless.

Extra Benefits

CoinLoan offers two other options for those looking for assistance and extra income:

If you need urgent help, customer support is available 24/7, ready to answer any questions or inquiries you may have.

Their Affiliate Program offers clients a chance to earn lifetime revenue by referring people to the platform. Every time a referral uses CoinLoan services, you earn rewards – 0.2% for every loan or exchange transaction and 0.1% for every Interest Account deposit.

You will then receive those rewards in USDC to your CoinLoan wallet.

Is CoinLoan Legit?

Since its inception in 2017, CoinLoan has had an incident-free track record. It is currently the only European-regulated crypto lending platform, licensed by the Estonian Financial Authority. The client’s assets are stored in qualified custodian BitGo providing insured $100 million coverage from Llyod’s. Fiat is also safe, while CoinLoan keeps it at crypto-friendly Swiss-based InCore Bank, so there’s no reason to worry about the safety of both your digital and fiat assets.


Whether you’re interested in storing your funds in a crypto interest account, getting a crypto-backed loan, or exchanging cryptocurrency, CoinLoan has a service that suits your needs.

With an intuitive interface, flexible terms for borrowing and lending, great exchange rates, and a high level of security, your options on this platform are abundant and safe.

The platform offers plenty of ways to earn interest with crypto. Even if you have just discovered crypto there are always options suitable for you. If you’d like to learn more about CoinLoan and try out the platform, check out the company’s website and blog for more information on its services and features.

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