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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
APX LendingEst. 2023	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
Arch LendingEst. 2022	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
Figure MarketsEst. 2018	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
LanternEst. 2023	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
LednEst. 2018	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
RO Roxom Credit LineEst. 2024	7.25% APR	50%	$200	0 mo	Fireblocks and other undisclosed third party providers	Custodial
Roxom Credit Line offers custodial Bitcoin-backed loans from 7.25% APR at up to 50% LTV, custodied by Fireblocks and other undisclosed third party providers, with no rehypothecation. Full profile
SALT LendingEst. 2016	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
STRIKEEst. 2018	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
UnchainedEst. 2016	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

Data as of Jul 10, 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.

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