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 24 months
$2,305
Monthly Payment
$55,313
Total Payment
$5,313
Total Interest
Frequently Asked Questions About CryptoLending by LendingUSA
CryptoLending 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 CryptoLending by LendingUSA is $10,000. This allows both small and large borrowers to access Bitcoin-backed lending.
CryptoLending 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.
CryptoLending 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.
CryptoLending by LendingUSA offers loan terms ranging from 12 to 12 months. Shorter terms typically have lower total interest costs, while longer terms offer lower monthly payments.
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: July 2026