Borrow against your graded cards without selling them.
CardWize is building loans backed by the graded cards you already keep in a vault. The card never leaves the vault, and it comes back to you when you repay.
Not available yet. Sign up to hear when we launch in your state.
How it works
Your graded cards have real market value. CardWize lets you put that value to work while you keep your collection.
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1
Pick a card in your vault
Choose a graded card you already store with a vault service. Nothing gets shipped anywhere.
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2
See what it's worth
We value the card using recent sales of the same card and grade, then you choose how much to borrow against it.
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3
Repay and get it back
No monthly payments. Pay it all back by the end of the term, or earlier, and the card transfers back to you.
Built by three friends who are longtime collectors
Graded cards have become a serious asset. But if you need cash, the only real option today is to sell, often at the wrong moment and usually for good. Banks don't lend against cards, and most lenders don't understand them.
We've spent years buying, grading, and holding cards ourselves, and we understand how lending works. CardWize brings those together: loans priced from real market data, built around how collectors already store their cards.
We're early, and we're building this with the community. Try the demo below to see where we're headed.
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Co-founderCollector since 2014
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Co-founderCollector since 2014
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Co-founderCollector since 2020
See it in action
Here's what we're building. Pick one or more cards to borrow against as a pool, then walk through the loan from offer to payoff.
Step 1 of 6
Choose the cards you want to borrow against
These sample cards are sitting in a vault account. Select one or several. Together they form your collateral pool.
Step 2 of 6
What your pool is worth
Checking cert numbers and recent sales…
| Card | Grade | Sample value | Max LTV | Max loan |
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Your pool's maximum LTV is a weighted average: each card counts in proportion to its value. Card prices move with the market, so we keep tracking the pool for as long as the loan is open.
Step 3 of 6
Build your loan Sample terms
Borrow up to your pool's available credit. Borrowing less means a lower LTV and a lower rate.
Loan term
No monthly payments. Interest builds daily, and you pay it all back at the end of the term. Repay early and you only pay interest for the days you borrowed.
Step 4 of 6
Review your terms Sample terms
Where are my cards while the loan is open?
They stay in the same vault. When the loan funds, you transfer the cards to CardWize's account using your vault's transfer feature. When you repay, we transfer them straight back to you.
Can I repay early?
Yes, anytime. Interest builds daily, so repaying early means you only pay interest for the days you actually borrowed.
What happens if I can't repay by the due date?
You get a 15-day grace period after the due date. If the loan still isn't repaid after that, CardWize sells enough of the pool to cover what you owe, and anything left over goes back to you.
Step 5 of 6
Sign, transfer, and get funded
You move the cards to CardWize inside your vault. They never physically go anywhere.
Step 6 of 6
Your loan dashboard
What you'd owe over time
Interest builds daily. Repay any day for the amount shown.
| If you repay on | Interest | Total to repay |
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| Card | Sample value | Share of pool | Max LTV |
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Weighted average max LTV = total available credit ÷ total pool value. Your LTV = amount borrowed ÷ total pool value.
Want early access?
Join the waitlist and we'll let you know when CardWize launches in your state.