What can I do to lower my LTV?
You have a few options to lower your LTV, listed fastest to slowest:
Method | Processing Time | Details |
| Add crypto collateral | Immediate | Deposit or purchase more BTC, ETH, or SOL into your GalaxyOne Crypto account to increase your total collateral value. |
| Pay with GalaxyOne Cash balance | Immediate | Applies to your loan immediately using funds already available in your GalaxyOne Cash account. |
| Fund with USDC, then make a payment | Immediate | Deposit USDC to your GalaxyOne account. USDC is converted to cash upon receipt. You must then initiate a loan payment using your GalaxyOne Cash balance. |
| Wire funds, then make a payment | 1 business day | Wired funds do not automatically apply to your loan; you must manually initiate a loan payment after the wire clears. |
| ACH deposit, then make a payment | Up to 3 business days | Your account may still be liquidated while the ACH deposit is pending. You must then initiate a loan payment using your GalaxyOne Cash balance. |