Conviction Credit
Conviction Credit:
Interest-Free Loans
Leverage your conviction in Bitcoin or Gold to enjoy the lowest costs. We're starting with car finance. Homes coming soon.
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How It Works
Let Bitcoin or Gold pay for your loan. We buy Bitcoin or Gold with a guarantee price from you (you are basically giving us a put option on the asset), so you can get low cost liquidity against real-world assets (RWAs).
Application
Submit your credit and guarantor application.
- •Your credit score must be 625+
- •Your payments must be <15% of income
- •Loan must be <80% of vehicle market price
- •You guarantee the current price of BTC/Gold in 4 years for a third of the loan amount.
Funding
Receive the full loan amount for financing your car.
- •Upload insurance and registration
- •Lien is placed against vehicle VIN
- •Pay seller, or receive funds in bank
- •Repay monthly and contribute towards guarantee
Repayment
Get back some or all of your guarantee contributions.
- •Lenders choose to exercise the guarantee or not
- •If the guarantee is exercised, you get BTC/Gold back
- •In default, all guarantee contributions are forfeit
- •If BTC/Gold is up and payments are complete, you win back all your guarantee contributions
Loan Calculator
See your personalized loan terms and savings.
Loan Parameters
Your Results
Click "Calculate Loan Terms" to see your personalized results
Why Choose Conviction Credit?
Designed for different communities with shared values on money.
For Bitcoiners
HODL with Liquidity
Finance your Toyota, buy more BTC—HODL with peace of mind and lowest cost. DCA-buy meets DCA-spend.
- Don't spend Bitcoin all at once
- Access liquidity against assets
- Enjoy the lowest cost capital
- Never worry about liquidation
For Muslims
Halal in Substance
Sharia-compliant qard hasan with rahn and wa'ad structure. Interest-free with shared risk principles.
- Interest-free (riba-free)
- Qard hasan structure
- Return policy wa'ad
- Shared risk approach
For Everyone
Smart Financing
Experience sound money in action. Refinance existing loans or acquire new cash-flow generating assets.
- Beats the bank
- Credit tiers 625+
- Refinance opportunities
- Transparent terms
Frequently Asked Questions
Full transparency on risks & processes. We believe informed decisions are the best decisions.
Guarantee Provision: As condition to the loan, you provide us a promise to buy Gold/Bitcoin at an agreed price in the future. This is similar to you offering us a put option. Instead of paying you a premium, we offer you an interest-free loan. This way the risk and reward is shared between us. If Bitcoin/Gold declines in value over the 4/8/16-year term, you agree to cover the difference at maturity. You contribute to a reserve that enables this guarantee, and we hold a lien against that reserve. You don't have to worry about a surprise expense this way, and you get the BTC/Gold while we get our principal back with no additional return. If we do not exercise this option with you, we keep the BTC/Gold and you get back your reserve as a rebate.