Head-to-Head
Every metric that matters, side by side.
Select two lenders. We compare safety, APR, custody, fees, and 8 more factors — so you choose with data, not marketing.
VS
Lava
Est. 2023
3.4
VS
4.0
YouHodler
Est. 2019
LavaYouHodler
3.4
4.0
Higher safety score (4.02 vs 3.39)
3.4
Safety Score
Higher safety score (4.02 vs 3.39)
4.0
Safety Score
Higher safety score (4.02 vs 3.39)
3.4
Higher safety score (4.02 vs 3.39)
4.0
Lower minimum APR (6.497–25.988% vs 7.5%)
7.5%
APR Range
Lower minimum APR (6.497–25.988% vs 7.5%)
6.497–25.988%
APR Range
Lower minimum APR (6.497–25.988% vs 7.5%)
7.5%
Lower minimum APR (6.497–25.988% vs 7.5%)
6.497–25.988%
Higher maximum LTV (90% vs 50%)
50%
Max LTV
Higher maximum LTV (90% vs 50%)
90%
Max LTV
Higher maximum LTV (90% vs 50%)
50%
Higher maximum LTV (90% vs 50%)
90%
—
Compare loan amounts based on your needs
Min $100
Max Unlimited
Max Unlimited
Loan Amount Range
—
Compare loan amounts based on your needs
Min $100
Max Unlimited
Max Unlimited
Loan Amount Range
—
LavaCompare loan amounts based on your needs
Min $100
Max Unlimited
Max Unlimited
—
YouHodlerCompare loan amounts based on your needs
Min $100
Max Unlimited
Max Unlimited
—
Both have the same origination fee
None
Origination Fee
—
Both have the same origination fee
None
Origination Fee
—
LavaBoth have the same origination fee
None
—
YouHodlerBoth have the same origination fee
None
—
Both have the same funding speed
Same day
Funding Speed
—
Both have the same funding speed
Same day
Funding Speed
—
LavaBoth have the same funding speed
Same day
—
YouHodlerBoth have the same funding speed
Same day
—
Both have the same custody model
Custodial
Custody Model
—
Both have the same custody model
Custodial
Custody Model
—
LavaBoth have the same custody model
Custodial
—
YouHodlerBoth have the same custody model
Custodial
No rehypothecation — collateral is never reused
No Rehypothecation
Rehypothecation Policy
No rehypothecation — collateral is never reused
Partial
Rehypothecation Policy
No rehypothecation — collateral is never reused
No Rehypothecation
No rehypothecation — collateral is never reused
Partial
—
No published reserve reporting or on-chain verification
Not published
Reserve Transparency
—
No published reserve reporting or on-chain verification
Not published
Reserve Transparency
—
LavaNo published reserve reporting or on-chain verification
Not published
—
YouHodlerNo published reserve reporting or on-chain verification
Not published
registered is a stronger regulatory status
Undisclosed
Regulatory Status
registered is a stronger regulatory status
Registered
Regulatory Status
registered is a stronger regulatory status
Undisclosed
registered is a stronger regulatory status
Registered
Fewer excluded states (0 vs 2)
All 50 states
US State Availability
Fewer excluded states (0 vs 2)
48 states
Excluded: 2
Excluded: 2
US State Availability
Fewer excluded states (0 vs 2)
All 50 states
Fewer excluded states (0 vs 2)
48 states
Excluded: 2
Excluded: 2
Longer track record (7 yrs vs 3 yrs)
3 yrs
Est. 2023
Est. 2023
Track Record
Longer track record (7 yrs vs 3 yrs)
7 yrs
Est. 2019
Est. 2019
Track Record
Longer track record (7 yrs vs 3 yrs)
3 yrs
Est. 2023
Est. 2023
Longer track record (7 yrs vs 3 yrs)
7 yrs
Est. 2019
Est. 2019
Bottom line
YouHodler
Wins 5 of 12 categories
2
Lava wins
5
Tied
5
YouHodler wins
Score breakdown
Lava: 2 categories5 tiesYouHodler: 5 categories
Rates and terms are checked on a recurring cadence but may change. Always confirm directly with the lender before applying.