Auto Bitcoin loans
Auto Bitcoin Loans: Buy a Car With BTC Collateral
By Steven Han and Michael Song
Compare lenders that let you fund a vehicle by borrowing against your Bitcoin — on effective APR, LTV, custody, and terms — without selling a single sat.
IndependentNo credit pullRates verified daily
Bitcoin-Backed Loans (8 lenders)
| Lender | APR range | |
|---|---|---|
SALT Verified August 27, 2026 · changed June 15, 2026 | 7.49–10.50% | Learn more |
Figure Verified August 27, 2026 · changed June 26, 2026 | 9.76–12.35% | Learn more |
Ledn Verified August 27, 2026 · unchanged since May 18, 2026 | 9.25–11.49% | Learn more |
Arch Verified August 27, 2026 · unchanged since May 18, 2026 | 7.25–10.49% | Learn more |
APX Lending Verified August 27, 2026 · changed August 22, 2026 | 9.99–11.49% | Learn more |
Unchained Verified August 27, 2026 · unchanged since June 16, 2026 | 14.18% | Learn more |
Strike Verified August 27, 2026 · changed June 26, 2026 | 7.75–11.25% | Learn more |
Nexo Verified August 27, 2026 · changed July 15, 2026 | 15.90% | Learn more |
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Latest data refresh: August 27, 2026
An auto Bitcoin loan lets you buy a vehicle with cash borrowed against your Bitcoin, pledged as collateral, instead of selling BTC or taking a traditional dealer auto loan. You keep your Bitcoin and its upside, and the funds are unrestricted — you can buy privately, at auction, or from a dealer.
Unlike a conventional auto loan, a Bitcoin-backed loan is secured by your BTC rather than the car, so the vehicle is not the lender’s collateral and there is usually no credit check. That means no lien on the title and more flexibility, in exchange for margin-call risk tied to Bitcoin’s price. Compare lenders below on rate, LTV, and custody.
Frequently asked questions
What is an auto Bitcoin loan?
An auto Bitcoin loan is cash you borrow against your Bitcoin to buy a vehicle, with BTC pledged as collateral instead of the car. You keep your Bitcoin and its upside, avoid a taxable sale, and the funds are unrestricted — no dealer financing or lien on the vehicle title required.
How is this different from a traditional car loan?
A traditional auto loan is secured by the car and depends on your credit; the lender puts a lien on the title. A Bitcoin-backed loan is secured by your BTC, usually needs no credit check, and leaves the vehicle lien-free. The trade-off is margin-call risk if Bitcoin’s price falls.
Do I need good credit for an auto Bitcoin loan?
Usually not. Because the loan is secured by your Bitcoin rather than your credit history, most Bitcoin-backed lenders require no credit check to fund an auto purchase. Comparing lenders here never triggers a credit pull; confirm each lender’s exact policy before applying.
How much can I borrow to buy a car?
It depends on the lender’s maximum loan-to-value, typically 40% to 60% of your Bitcoin’s value. At 50% LTV, $80,000 of BTC supports a $40,000 loan — enough for most vehicles. Borrowing at a lower LTV leaves more cushion before a margin call.
Related Guides
Deeper reading on auto bitcoin loans and borrowing against Bitcoin.
- June 8, 2026Bitcoin Auto Loans: How to Buy a Car Without Selling Your BTC (2026)A vendor-neutral guide to bitcoin auto loans: how borrowing against bitcoin to buy a car works, what it costs, the margin-call risk, and the tax angle.Read guide
- August 17, 2026Bitcoin Loan Rates August 2026: Where APRs Stand and How to Compare LendersCurrent Bitcoin-backed loan rates for August 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 guide
- August 17, 2026Bitcoin Loan Rates July 2026: Where APRs Stood Across US Lenders (Covers July 2026)Bitcoin-backed loan rates for July 2026: the average all-in APR at $100k and 50% LTV across the six US lenders in our index, what changed during the month, and how the figures compare to June and August.Read guide
- August 17, 2026DeFi Bitcoin Loan Rates August 2026: Onchain Borrow APRs Across ProtocolsCurrent onchain Bitcoin borrow rates for August 2026: the TVL-weighted average variable USDC APR against wrapped Bitcoin across 10 DeFi protocols, how much they moved during the month, and how they compare to centralized lenders.Read guide
- August 17, 2026DeFi Bitcoin Loan Rates July 2026: Onchain Borrow APRs Across Protocols (Covers July 2026)Onchain Bitcoin borrow rates for July 2026: the TVL-weighted average variable USDC APR against wrapped Bitcoin across 10 DeFi protocols, how far individual markets moved during the month, and how they compared to centralized lenders.Read guide
- August 4, 2026Which Bitcoin Lenders Publish Proof of Reserves, and What It Actually Proves (2026)Two of the ten active US Bitcoin lenders publish a third-party reserves attestation. Here is who, what their reports cover, and the four things proof of reserves does not tell you.Read guide
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