Bitcoin loan rates by loan size
Bitcoin loan rates for a $1,000,000 loan
By Steven Han and Michael Song
Effective rates as of October 2, 2026 · rates last changed August 22, 2026. BTC reference price ≈ $84,600.
$1,000,000 loan · 50% LTV · effective APR
8.75%–16.80% APR
10 tracked lenders offer a $1,000,000 Bitcoin-backed loan at 50% LTV, from 8.75% effective APR. Effective APR includes origination fees; rates as of October 2, 2026. Switch loan size or LTV below.
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Loan size
Loan-to-value
At 50% LTV, a $1,000,000 loan means pledging about 23.64 BTC ($2,000,000 of collateral).
| Lender | Effective APR | Max LTV | Custody | |
|---|---|---|---|---|
| 8.75% | 70% | Lender-held | Learn more | |
| 8.99% | 60% | Qualified custodian | Learn more | |
| 9.49% | 60% | Qualified custodian | Learn more | |
| 9.76% | 75% | Lender-held | Learn more | |
| 9.99% | 60% | Qualified custodian | Learn more | |
| 9.99% | 50% | Qualified custodian | Learn more | |
| 10.47% | 50% | Lender-held | Learn more | |
| 14.18% | 50% | Collaborative multisig | Learn more | |
| 15.90% | 50% | Lender-held | Learn more | |
| 16.80% | 90% | Lender-held | Learn more |
Effective APR includes each lender's origination fee. Ranked by effective APR. “Learn more” opens our review of that lender, where you can run the numbers and apply.
$1,000,000 Bitcoin loan: common questions
How much Bitcoin do I need for a $1,000,000 loan?
To borrow $1,000,000 you'd pledge about 23.64 BTC ($2,000,000 of collateral) at 50% LTV, or about 59.10 BTC at 20% LTV. This is based on a BTC reference price of $84,600; the exact amount moves with the price of Bitcoin.
What is the lowest rate on a $1,000,000 Bitcoin loan?
As of October 2, 2026, the lowest effective APR (including origination fees) for a $1,000,000 loan at 50% LTV is 8.75% from SALT. Rates vary by LTV and change frequently, so confirm live terms with the lender.
Does a $1,000,000 Bitcoin loan price differently than other loan sizes?
Yes. Several lenders tier their pricing by loan amount, so a $1,000,000 loan can price differently than a smaller or larger one. Compare the $1,000,000 field above against other loan sizes to see where the breakpoints fall.
Cite this: “Bitcoin loan rates for a $1,000,000 loan, BorrowOnBitcoin Rate Index, verified October 2, 2026. https://borrowonbitcoin.com/bitcoin-loan-rates/1m” — effective APR including origination fees, lenders' published standard rates.
borrowonbitcoin.com is a comparison publisher, not a lender or financial advisor. This page lists lenders that offer a loan of this size at the stated LTV, ranked by their published effective APR; it is not a recommendation of any lender for your situation. Rates change frequently, confirm live terms with each lender. Full disclosures.