Crypto-backed lending product from LendingUSA that lets borrowers access cash without selling their Bitcoin or crypto collateral. Loans use fixed rates, secure custody, a soft credit check, transparent pricing, flexible repayment options, and are made by Cross River Bank.
Interest Rates
APR Range9.89% - 17.17%
Origination Fee1%
Loan Details
Minimum Loan$10,000
Maximum Loan$250,000
Max LTV70%
Example Loan Calculation
Based on a $50,000 loan at 9.89% APR over 12 months
Interest-only option
$412
Monthly Payment
$50,000
Payment Due at Maturity
$4,945
Total Interest
No monthly payment with balloon payment
$0
Monthly Payment
$54,945
Payment Due at Maturity
$4,945
Total Interest
Illustrative estimate only. Actual rates, fees, payment schedules, and payoff amounts may vary.
Frequently Asked Questions About Crypto Lending by LendingUSA
Crypto Lending by LendingUSA offers Bitcoin-backed loans starting at 9.89% APR up to 17.17% APR. Actual rates depend on loan-to-value ratio, loan amount, and term length.
The minimum loan amount at Crypto Lending by LendingUSA is $10,000. This allows both small and large borrowers to access Bitcoin-backed lending.
Crypto Lending by LendingUSA is an established Bitcoin lending platform. We recommend reviewing their custody practices, regulatory status, and user reviews before proceeding. Never invest more than you can afford to lose.
Crypto Lending by LendingUSA offers a maximum loan-to-value (LTV) ratio of 70%. This means you can borrow up to 70% of your Bitcoin's current value. Higher LTV means more borrowing power but also higher liquidation risk.
Crypto Lending by LendingUSA offers loan terms of 12 months. Borrowers can choose interest-only payments or no monthly payments, with principal and any accrued interest due at maturity. Early repayment is allowed without penalties or fees.
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: August 2026