Bitcoin-collateralized lending platform offering personal loans backed by BTC. No credit check required — loan approval is based on collateral value. Funds can be received same day with competitive rates starting at 13% APR.
Interest Rates
APR Range8% +
Origination Fee2%
Loan Details
Minimum Loan$1,000
Maximum LoanNegotiable
Max LTV50%
Example Loan Calculation
Based on a $50,000 loan at 13% APR over 24 months
$2,377
Monthly Payment
$57,050
Total Payment
$7,050
Total Interest
Frequently Asked Questions About Lantern
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