Bitcoin-backed lending platform providing USD loans with no credit checks. Keep your Bitcoin while accessing liquidity. Features transparent terms, no rehypothecation of collateral, and loans funded within 24 hours.
Interest Rates
APR Range9.99% +
Origination FeeNone
Loan Details
Minimum Loan$10,000
Maximum Loan$10,000,000
Max LTV60%
Example Loan Calculation
Based on a $50,000 loan at 9.99% APR over 60 months
Interest-only option
$416
Monthly Payment
$50,000
Payment Due at Maturity
$24,975
Total Interest
Illustrative estimate only. Actual rates, fees, payment schedules, and payoff amounts may vary.
Frequently Asked Questions About APX Lending
APX Lending offers Bitcoin-backed loans starting at 9.99% APR. Actual rates depend on loan-to-value ratio, loan amount, and term length.
The minimum loan amount at APX Lending is $10,000. This allows both small and large borrowers to access Bitcoin-backed lending.
APX Lending has a risk score of 7.1/10 based on our analysis of custody practices, regulatory compliance, and operational history. Risk Score: 7.1/10. Strengths: no rehypothecation, conservative LTV. Key risks: limited audit transparency.
APX Lending offers a maximum loan-to-value (LTV) ratio of 60%. This means you can borrow up to 60% of your Bitcoin's current value. Higher LTV means more borrowing power but also higher liquidation risk.
APX Lending offers loan terms of 3 to 60 months. Interest Only,Principal + Interest
About this analysis
21Rates Editorial TeamBitcoin Financial Research Analysts
Our research team analyzes Bitcoin lending platforms using proprietary risk scoring, rate comparison data, and user reviews. We independently verify lender terms and maintain up-to-date information to help you make informed borrowing decisions.
Last verified: April 2026