APX Lending Review: 2026 Bitcoin Loan Comparison
Rate data verified July 28, 2026 · Verified daily
Regulated crypto-backed lender serving US and Canadian borrowers, with no credit checks and no origination or management fees. Collateral (BTC, ETH) is held in segregated, insured cold storage with BitGo Trust. US loans start at 25,000 dollars with tiered APRs.
Your APX Lending rate
BTC $63,764 · liveEstimate only, at BTC $63,764. No credit pull · Confirm live terms with APX Lending.
What you pay, by loan size
| Loan size | APR |
|---|---|
| Under $100,000 | 11.5% |
| $100,000 – $1,000,000 | 11.0% |
| $1,000,000 and above | 9.99% |
Key facts
- No origination or management fees
- No credit check
- BTC and ETH accepted as collateral
- Segregated cold-storage custody with BitGo Trust
- US minimum loan 25,000 dollars
Refinancing
Fixed-rate terms run 3 to 60 months and are extendable with no origination or admin fees. Early repayment is capped at about three months of interest.
How APX Lending compares at $100K
| Lender | APR | Max LTV | Rehypothecation | Cure window |
|---|---|---|---|---|
| APX Lending | 10.99% | 60% | No | None stated |
| CoinRabbit | 16.8% | 90% | No | None stated |
| Nexo | 15.9% | 50% | Yes | None stated |
| Arch (Standard) | 10.49% | 60% | No | Yes |
See all lenders at your loan size →
APX Lending articles & comparisons
Coinbase vs APX Lending: Bitcoin Loan Comparison (2026)
Coinbase's DeFi USDC loan vs APX Lending's no-fee, qualified-custodian loan: rate, LTV, custody, liquidation, and payout compared so you can see which fits.
Read article →Bitcoin Loan Rates June 2026: Where APRs Stand and How to Compare Lenders
Current Bitcoin-backed loan rates for June 2026: the average all-in APR at $100k and 50% LTV across US lenders, plus how borrowing more or at a lower LTV changes your rate.
Read article →Head-to-head comparisons
Frequently asked
Is APX Lending safe to borrow against Bitcoin?
APX Lending is an active lender. Your collateral is handled via qualified third-party custodian. APX Lending does not rehypothecate your Bitcoin. Insurance coverage: Collateral held with BitGo Trust in segregated cold storage, insured up to 250 million dollars (underwritten by Lloyd's of London). Transfers to the BitGo custodian move through Fireblocks, which carries an additional 35 million dollars of insurance.. As with any Bitcoin-backed loan, review the custody model, liquidation thresholds, and loan terms carefully before borrowing.
What rates does APX Lending charge?
APX Lending charges 9.99%–11.49% APR. US tiered APR: 11.49% under 100K, 10.99% from 100K to 1M, 9.99% over 1M. No origination, admin, or hidden fees, so the APR equals the all-in cost. Source: help.apxlending.com/hc/en-us/articles/42122325387283 (verified 2026-07-05). There is no origination fee.
Does APX Lending rehypothecate my Bitcoin?
No, APX Lending does not rehypothecate your Bitcoin. Your collateral is held via qualified third-party custodian and is not re-lent to other parties.
What states does APX Lending serve?
APX Lending is available in Not publicly posted. State availability not publicly posted Always confirm current availability directly with APX Lending before applying, as state coverage can change.
How fast does APX Lending fund loans?
APX Lending typically funds within Instant. Loan terms: 3 to 60 months, extendable. Actual timing may vary based on verification requirements and your specific situation.
What fees does APX Lending charge?
Known fees include: no origination fee. Always request a full fee disclosure from APX Lending before signing any loan agreement.
How does APX Lending compare to other Bitcoin loan lenders?
To see APX Lending side-by-side with every other major Bitcoin loan lender, rates, custody model, LTV, and more, use the free comparison tool at borrowonbitcoin.com. You can sort by APR, LTV, funding speed, or custody model and filter to your state.
Bitcoin loans by state
Which lenders operate where, plus the sell-vs-borrow tax angle for your state: