Interest Rates
APR Range6.9% - 9.9%
Loan Details
Minimum Loan$100
Maximum Loan$1,000,000
Max LTV90%
Example Loan Calculation
Based on a $50,000 loan at 6.9% APR over 12 months
$4,324
Monthly Payment
$51,888
Total Payment
$1,888
Total Interest
Illustrative estimate only. Actual rates, fees, payment schedules, and payoff amounts may vary.
Frequently Asked Questions About Surge Credit
Surge Credit offers Bitcoin-backed loans starting at 6.9% APR up to 9.9% APR. Actual rates depend on loan-to-value ratio, loan amount, and term length.
The minimum loan amount at Surge Credit is $100. This allows both small and large borrowers to access Bitcoin-backed lending.
Surge Credit 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.
Surge Credit offers a maximum loan-to-value (LTV) ratio of 90%. This means you can borrow up to 90% of your Bitcoin's current value. Higher LTV means more borrowing power but also higher liquidation risk.
Surge Credit offers loan terms of 12 months. Credit line with flexible repayment, renewable at the end of 12 months
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