GalaxyOne review

Updated September 29, 2026 · BorrowCue Editorial Team · Facts checked September 28, 2026

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Our verdict

GalaxyOne suits holders of BTC, ETH or SOL in listed US states who want to borrow against crypto without selling it. It offers credit lines of $10,000 to $2,000,000 at APR of 8.99% with funding in Within minutes, with free early repayment available for eligible borrowers.

Key facts

Best for
Crypto holders borrowing against BTC, ETH or SOL
APR
8.99% (Source, checked September 28, 2026)
Loan amount
$10,000 to $2,000,000 (Source, checked September 28, 2026)
Arrangement fee
0 (Source, checked September 28, 2026)
Credit check
None (Source, checked September 28, 2026)
Funding time
Within minutes (Source, checked September 28, 2026)
Rate type
Variable (Source, checked September 28, 2026)
Lender type
Direct lender (Source, checked September 28, 2026)
Free early repayment
Yes (Source, checked September 28, 2026)
Eligibility
GalaxyOne customers in listed US states holding BTC, ETH or SOL (Source, checked September 28, 2026)
Origination fee (%)
0% (Source, checked September 28, 2026)
Loan types
Secured, Credit-line (Source, checked September 28, 2026)
Use cases
Home-improvement (Source, checked September 28, 2026)
Legal entity
GalaxyOne Technology, Inc. (Source, checked September 28, 2026)
Headquarters
United States (Source, checked September 28, 2026)
Founded
2018 (Source, checked September 28, 2026)
Support channels
Help-centre (Source, checked September 28, 2026)
Features
Credit line, Same-day funding
Official website
galaxy.app

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Credit lines of $10,000 to $2,000,000 with funding in Within minutes
  • APR of 8.99% with origination fee of 0 and free early repayment
  • Application with check type of none

Cons

  • Repayments follow a variable structure of variable, so cost can move over time
  • Support runs on help centre only
GalaxyOne

Ready to try GalaxyOne?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Holders of BTC, ETH or SOL seeking home improvement funds without selling crypto
  • Borrowers who prefer no bureau check with rapid funding access

Who should look elsewhere

  • Borrowers needing unsecured lending should consider Vivus for a different credit model, as GalaxyOne lending is secured by crypto
  • Borrowers wanting fixed rate card credit should consider AXI Card Tarjeta y Credito with APR of 21.59%

How it compares on our data

On loan amount, GalaxyOne ranks at 62 among 393 brands compared, reflecting its crypto backed credit line scale. On APR, it ranks at 62 among 187 brands compared. The pairing shows large limits alongside a mid range rate position within the wider set tracked for these categories.

How GalaxyOne compares

Where GalaxyOne is available

Available
United States
Licence in United States
State of Montana (2741667), checked September 28, 2026
Licence in United States
State of Michigan (RL0026937), checked September 28, 2026

Countries from the brand (Source, checked September 28, 2026)

Frequently asked questions

What does GalaxyOne charge for its crypto credit line?+

GalaxyOne lists APR of 8.99% with origination fee of 0 and origination fee rate of 0%. The pricing is of variable, so cost can move during the draw period. Early repayment is free, which helps borrowers who clear balances ahead of schedule.

Who can apply for GalaxyOne?+

GalaxyOne is aimed at customers in listed US states who hold BTC, ETH or SOL and want funds for uses such as home improvement. The lender operates from US as GalaxyOne Technology, Inc. and provides secured credit lines rather than unsecured loans.

How much can be borrowed and how fast is funding?+

Limits span $10,000 to $2,000,000 as a secured credit line with same day availability. Funding can land in Within minutes once approved, supported by features of credit line and same day funding. Borrowers draw what is required and pay interest on the balance used.

Does GalaxyOne require a credit check?+

The listed check type is none, so approval does not rest on a bureau search. Eligibility instead rests on crypto holdings and state availability. Borrowers who want to avoid a credit inquiry may find this structure attractive.

Can the balance be repaid early without a fee?+

Early repayment is free, allowing borrowers to reduce interest by clearing drawn balances ahead of schedule. The account remains open as a line of secured and credit line for further draws. There is no stated penalty for paying down or closing the balance.

How is GalaxyOne licensed and supported?+

GalaxyOne Technology, Inc. holds licences in Montana of 2741667 and Michigan of RL0026937 under the State of Montana and State of Michigan. Support is provided through help centre, which borrowers should review before applying.

Sources

  • galaxy.app checked September 28, 2026

    Backs: Headquarters, Support channels

    “Our U.S.-based team is here when you need help in GalaxyOne”

  • galaxy.app/about checked September 28, 2026

    Backs: Founded

    “Founded by Mike Novogratz in 2018”

  • galaxy.app/legal/galaxyone-lending-disclosure-library-lic... checked September 28, 2026

    Backs: Licences

  • galaxy.app/product/crypto-portfolio-line-of-credit checked September 28, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Rate type, Use cases

    “The maximum credit limit is $2,000,000 regardless of collateral value.”

  • help.galaxy.app/hc/en-us checked September 28, 2026

    Backs: Legal entity

    “GalaxyOne App is owned and operated by GalaxyOne Technology, Inc.”

Compiled from 5 source pages, checked September 28, 2026. We did not open an account.

Not confirmed yet: Term, Representative example.

GalaxyOne

GalaxyOne

Crypto holders borrowing against BTC, ETH or SOL

9.0/10See alternatives

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