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
Ledn
Est. 2018
7.4
VS
4.0
YouHodler
Est. 2019
LednYouHodler
7.4
4.0
Higher safety score (7.41 vs 4.02)
7.4
Safety Score
Higher safety score (7.41 vs 4.02)
4.0
Safety Score
Higher safety score (7.41 vs 4.02)
7.4
Higher safety score (7.41 vs 4.02)
4.0
Lower minimum APR (6.497–25.988% vs 9.25–11.49%)
9.25–11.49%
APR Range
Lower minimum APR (6.497–25.988% vs 9.25–11.49%)
6.497–25.988%
APR Range
Lower minimum APR (6.497–25.988% vs 9.25–11.49%)
9.25–11.49%
Lower minimum APR (6.497–25.988% vs 9.25–11.49%)
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 $500
Max Unlimited
Max Unlimited
Loan Amount Range
—
Compare loan amounts based on your needs
Min $100
Max Unlimited
Max Unlimited
Loan Amount Range
—
LednCompare loan amounts based on your needs
Min $500
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
—
LednBoth have the same origination fee
None
—
YouHodlerBoth have the same origination fee
None
Faster funding speed
Next day
Funding Speed
Faster funding speed
Same day
Funding Speed
Faster funding speed
Next day
Faster funding speed
Same day
—
Both have the same custody model
Custodial
Custody Model
—
Both have the same custody model
Custodial
Custody Model
—
LednBoth have the same custody model
Custodial
—
YouHodlerBoth have the same custody model
Custodial
—
Both have the same rehypothecation policy
Partial
Rehypothecation Policy
—
Both have the same rehypothecation policy
Partial
Rehypothecation Policy
—
LednBoth have the same rehypothecation policy
Partial
—
YouHodlerBoth have the same rehypothecation policy
Partial
Published via The Network Firm LLP / Open Book Report
Published
via The Network Firm LLP / Open Book Report
via The Network Firm LLP / Open Book Report
Reserve Transparency
Published via The Network Firm LLP / Open Book Report
Not published
Reserve Transparency
Published via The Network Firm LLP / Open Book Report
Published
via The Network Firm LLP / Open Book Report
via The Network Firm LLP / Open Book Report
Published via The Network Firm LLP / Open Book Report
Not published
—
Both have the same regulatory status
Registered
Regulatory Status
—
Both have the same regulatory status
Registered
Regulatory Status
—
LednBoth have the same regulatory status
Registered
—
YouHodlerBoth have the same regulatory status
Registered
Fewer excluded states (2 vs 11)
39 states
Excluded: 11
Excluded: 11
US State Availability
Fewer excluded states (2 vs 11)
48 states
Excluded: 2
Excluded: 2
US State Availability
Fewer excluded states (2 vs 11)
39 states
Excluded: 11
Excluded: 11
Fewer excluded states (2 vs 11)
48 states
Excluded: 2
Excluded: 2
Longer track record (8 yrs vs 7 yrs)
8 yrs
Est. 2018
Est. 2018
Track Record
Longer track record (8 yrs vs 7 yrs)
7 yrs
Est. 2019
Est. 2019
Track Record
Longer track record (8 yrs vs 7 yrs)
8 yrs
Est. 2018
Est. 2018
Longer track record (8 yrs vs 7 yrs)
7 yrs
Est. 2019
Est. 2019
Bottom line
YouHodler
Wins 4 of 12 categories
3
Ledn wins
5
Tied
4
YouHodler wins
Score breakdown
Ledn: 3 categories5 tiesYouHodler: 4 categories
Rates and terms are checked on a recurring cadence but may change. Always confirm directly with the lender before applying.