Rates, effective APR, max LTV, liquidation thresholds, custody model, and risk — verified against each lender's own terms, with a source link on every row. Now with live price, a loan calculator, a liquidation-price tool, and side-by-side cost comparison.
Live calculators driven by the current Bitcoin price. All figures are estimates for planning only — confirm exact terms with each lender.
| Lender | Rate (APR) | Interest / term | BTC at 50% LTV | Min loan | Risk | Go |
|---|
Each row reflects the lender's entry-level published terms for a Bitcoin-collateralized USD or stablecoin loan. Click a column header to sort.
| Lender | Type | APR | Eff. APR | Max LTV | Liq. LTV | Term | Fees | Custody | Min loan | Risk | Verify |
|---|
↓ tiered — rate drops for larger loans · * see notes · var = variable, moves with market · Eff. APR includes typical fees and is indicative; real cost depends on loan size and term.
Verified against each lender's published terms, week of 9 Jun 2026. Rates change frequently — always confirm at the source before borrowing.
Every lender that accepts Bitcoin as loan collateral is eligible — centralized (CeFi) and decentralized (DeFi). Each row reflects the lender's entry-level published terms for a Bitcoin-collateralized USD or stablecoin loan, with a link to the source.
APR is the starting or representative rate; tiered lenders price lower at larger sizes. Effective APR folds in typical fees and is indicative only. Liquidation LTV is the threshold at which collateral is sold; for some lenders the figure shown is a margin-call trigger, noted below.
Notes. Ledn: collateral may be re-posted to an institutional funding partner — confirm current custody terms. Strike: rate and minimum vary by source; verify before relying. Unchained: a margin call results in full-position liquidation. SALT: 75% shown is the first margin call, not liquidation. Nexo: lowest rates require holding NEXO tokens; base tier is higher.
Risk tiers are an editorial assessment based on custody model, rehypothecation policy, and track record — not a rating or endorsement. Information only, not financial advice.
Watchlist (pending verification): YouHodler, Figure, APX Lending, Lantern. Listed here, not published in the table, until their terms are confirmed at source.