Bitcoin Lending Services
Compare custodial and non-custodial Bitcoin lenders side by side. Filter by custody type, minimum loan, and more.
16lenders1.0–14.0%rates9custodial6non-custodial
Featured Lender
Arch LendingEst. 2022
Unlock cash without triggering a tax event through Arch's Bitcoin-backed loans. Arch ensures world-class security through bankruptcy-remote custody and a strict no-rehypothecation policy, so you never have to sell your stack.
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| Lender | Rate | Max LTV | Min Loan | Term | Custodian | Custody |
|---|---|---|---|---|---|---|
| 8.91% + | 75% | $5K | 3–36 mo | Anchorage | Custodial | |
Figure Markets offers custodial Bitcoin-backed loans from 8.91% + at up to 75% LTV, custodied by Anchorage, with no rehypothecation. Full profile | ||||||
| 9.99% + | 60% | $10K | 3–60 mo | Bitgo | Custodial | |
APX Lending offers custodial Bitcoin-backed loans from 9.99% + at up to 60% LTV, custodied by Bitgo, with no rehypothecation. Full profile | ||||||
| 7.25% + | 60% | $5K | 1–24 mo | Anchorage | Custodial | |
Arch Lending offers custodial Bitcoin-backed loans from 7.25% + at up to 60% LTV, custodied by Anchorage, with no rehypothecation. Full profile | ||||||
| 7.49% + | 70% | $5K | 12–60 mo | Bitgo,FireBlocks | Custodial | |
SALT Lending offers custodial Bitcoin-backed loans from 7.49% + at up to 70% LTV, custodied by Bitgo,FireBlocks, with no rehypothecation. Full profile | ||||||
| 9.25% - 11.49% | 50% | $500 | 0–12 mo | Bitgo | Custodial | |
Ledn offers custodial Bitcoin-backed loans from 9.25% - 11.49% at up to 50% LTV, custodied by Bitgo, with no rehypothecation. Full profile | ||||||
| 14% + | 50% | $150K | 3–12 mo | In-House | Custodial | |
Unchained offers custodial Bitcoin-backed loans from 14% + at up to 50% LTV, custodied by In-House, with no rehypothecation. Full profile | ||||||
| 8% + | 50% | $1K | 12 mo | Bitgo | Custodial | |
Lantern offers custodial Bitcoin-backed loans from 8% + at up to 50% LTV, custodied by Bitgo, with no rehypothecation. Full profile | ||||||
| 7.25% APR | 50% | $200 | 0 mo | Undisclosed 3rd-Party | Custodial | |
Roxom Credit Line offers custodial Bitcoin-backed loans from 7.25% APR at up to 50% LTV, custodied by Undisclosed 3rd-Party, with no rehypothecation. Full profile | ||||||
| 7.75% + | 50% | $5K | 12 mo | Bitgo | Custodial | |
STRIKE offers custodial Bitcoin-backed loans from 7.75% + at up to 50% LTV, custodied by Bitgo, with no rehypothecation. Full profile | ||||||
Updated: Jun 24, 2026
Direct answers
What's the lowest-rate Bitcoin loan right now?
Among custodial lenders, Arch Lending starts at 7.25%, the lowest we track, followed by Strike at 7.75%. Rates scale with LTV and term, and custodial lenders generally price below non-custodial marketplaces.
What's the difference between custodial and non-custodial lending?
Custodial lenders hold your Bitcoin with a third-party custodian (Anchorage, BitGo) or in-house for the life of the loan: simpler, usually cheaper, but you rely on their controls. Non-custodial lenders use multisig or marketplace escrow so no single party controls the collateral, giving you more sovereignty but often higher or market-set rates.
Which lender has the lowest minimum?
Ledn at $500 is the lowest custodial minimum, then SALT at $1,000. Most others start at $5,000 to $10,000.
Bitcoin Lending Tools
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Lending Articles, Guides, & Videos
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Frequently Asked Questions
Common questions about Bitcoin lending services.
What is a Bitcoin-backed loan?
What is the difference between custodial and non-custodial lending?
What does Loan-to-Value (LTV) mean?
What happens if Bitcoin's price drops?
Are Bitcoin loans taxable?