Best Bitcoin Lenders 2026: Compare Rates & Reviews
Compare Bitcoin lending platforms: live APRs, LTVs, loan terms & real user reviews. Find the best crypto-backed loan rates and providers in 2026.
Last Updated: 2026-06-18
Compare Bitcoin Lenders & Lending Platforms
Find the best Bitcoin lenders and cryptocurrency lending platforms for crypto-backed loans. Compare Bitcoin loan rates, minimum loan amounts, loan-to-value ratios, and terms from top providers. After securing a loan, consider using secure custody solutions to protect your Bitcoin collateral.
What is Bitcoin Lending?
Bitcoin lending allows you to borrow fiat currency or stablecoins using your Bitcoin as collateral, without selling your BTC. This lets you access liquidity while maintaining your Bitcoin position and potential upside. New to Bitcoin? Start with our Bitcoin guide or explore educational articles.
- Crypto-backed loans - Use Bitcoin as collateral to borrow cash
- No credit checks - Loans are secured by your crypto holdings
- Keep your Bitcoin - Maintain exposure to BTC price appreciation
- Fast funding - Get cash within 24-48 hours
Compare other Bitcoin services: Bitcoin Custody | Bitcoin Exchanges | Bitcoin Debit Cards | Bitcoin ETFs | Inheritance Planning
Bitcoin Lending Tools
Make informed decisions with our comprehensive suite of Bitcoin lending tools and resources.
Loan Calculators
Calculate monthly payments, compare loan options, and determine your optimal loan-to-value ratio.
Explore Calculators →Risk Simulator
Simulate various market scenarios and understand potential risks before taking out a Bitcoin loan.
Try Simulator →Risk Score Analysis
View detailed risk assessments and safety ratings for each lender based on our proprietary scoring.
View Analysis →| Lender | APR Range | Min Loan | Max LTV | Terms | Fees | Rehypothecation |
|---|---|---|---|---|---|---|
| 9.99% + | $10,000 | 60% | 3-60 months | None | No | |
| 7.25% + | $5,000 | 60% | 1-24 months | 1.5% | No | |
| Not publicly listed | Contact | Varies | Peer-to-peer Bitcoin-backed loans; public terms not fully listed | Varies | No | |
|
Debifi
₿
|
Offer-specific; set by lender | Contact | Varies | Offer-specific term, repayment schedule, APR, and LTV set by lenders; no early repayment fee | 1.5% total origination fee | No |
| 8.91% + | $5,000 | 75% | 3-36 months | 1.5% | No | |
|
Firefish
₿
|
Market-driven interest rates | Contact | Varies | Borrow cash against BTC using loan terms set through the Firefish marketplace | Varies | No |
| Lender-defined | Contact | Varies | 1-12 months | Varies | No | |
| 8% + | $1,000 | 50% | 12 months | 2% | No | |
Ledn
₿
|
9.25% - 11.49% | $500 | 50% | Interest Only,Principal + Interest | None | No |
|
Mezo
₿
|
Fixed rates as low as 1%; site also references typical 4-10% APR | Contact | 50% | No minimum payments, no set repayment schedule, no early repayment penalty | Varies | Not disclosed |
| 8.95% + | $5,000 | 70% | 12-60 months | 1% | No | |
| 0% interest | Contact | Varies | Instant permissionless borrowing; collateral locked until loan is repaid | Varies | Not disclosed | |
STRIKE
₿
|
7.75% + | $5,000 | 50% | 12 months | None | No |
| 14% + | $150,000 | 50% | 3-12 months | 2% | No | |
| Market-based; interest accrues to debt | Contact | 60% | Docs show example 60% LTV, 70% partial liquidation threshold, 75% full liquidation threshold; interest accrues to debt | Varies | Not disclosed |
Showing 15 bitcoin lenders
Lending Articles, Guides & Videos
Learn more about Bitcoin lending with our curated educational content.
Frequently Asked Questions
What happens to my loan if Bitcoin's price drops?
Most lenders require a loan-to-value ratio of 50-80%, providing a buffer for price fluctuations. If the value drops significantly, you may need to add more collateral or partially repay the loan.
Are there any fees involved?
Yes, lenders typically charge origination fees, maintenance fees, and potentially early repayment fees. These vary by lender and should be factored into your decision.
How does Bitcoin-backed lending work?
Bitcoin-backed lending allows you to use your Bitcoin as collateral to secure a loan in traditional currency. You retain ownership of your Bitcoin while accessing liquidity.
How quickly can i get approved?
Approval times vary by lender but typically range from a few hours to 24 hours. Some platforms offer instant approval for smaller loan amounts.