Bitcoin loan rates by loan size
Bitcoin loan rates for a $500,000 loan
Effective rates as of July 4, 2026. BTC reference price ≈ $63,200.
$500,000 loan · 50% LTV · effective APR
8.75%–18.90% APR
10 tracked lenders offer a $500,000 Bitcoin-backed loan at 50% LTV, from 8.75% effective APR. Effective APR includes origination fees; rates as of July 4, 2026. Switch loan size or LTV below.
Want rates matched to your exact loan?
Get a free personalized comparison, ranked for your loan amount, custody preference, state, and timeline — with full lender detail. No credit check.
Loan size
Loan-to-value
At 50% LTV, a $500,000 loan means pledging about 15.82 BTC ($1,000,000 of collateral).
| Lender | Effective APR | Max LTV | Custody | |
|---|---|---|---|---|
| 8.75% | 70% | Lender-held | Visit → | |
| 9.76% | 75% | Lender-held | Visit → | |
9.99%9.49%BoB exclusive | 60% | Qualified custodian | Visit → | |
10.19%9.99%BoB exclusive | 50% | Qualified custodian | Visit → | |
| 10.47% | 50% | Lender-held | Visit → | |
10.49%9.99%BoB exclusive | 60% | Qualified custodian | Visit → | |
| 10.99% | 60% | Qualified custodian | Visit → | |
| 14.18% | 50% | Collaborative multisig | Visit → | |
| 16.80% | 90% | Lender-held | Visit → | |
| 18.90% | 50% | Lender-held | Visit → |
Effective APR includes each lender's origination fee. Where a lender offers a BorrowOnBitcoin exclusive discount, its standard rate is shown struck through with the discounted rate below; the discount applies automatically when you start your loan through our link. Ranked by standard effective APR. “Visit” links to the lender and may be an affiliate link.
$500,000 Bitcoin loan: common questions
How much Bitcoin do I need for a $500,000 loan?
To borrow $500,000 you'd pledge about 15.82 BTC ($1,000,000 of collateral) at 50% LTV, or about 39.56 BTC at 20% LTV. This is based on a BTC reference price of $63,200; the exact amount moves with the price of Bitcoin.
What is the lowest rate on a $500,000 Bitcoin loan?
As of July 4, 2026, the lowest effective APR (including origination fees) for a $500,000 loan at 50% LTV is 8.75% from SALT. Rates vary by LTV and change frequently, so confirm live terms with the lender.
Do Bitcoin loan rates change with loan size?
Yes. Several lenders tier their pricing by loan amount, so a $500,000 loan can price differently than a smaller or larger one. Compare the $500,000 field above against other loan sizes to see where the breakpoints fall.
Cite this: “Bitcoin loan rates for a $500,000 loan, BorrowOnBitcoin Rate Index, verified July 4, 2026. https://borrowonbitcoin.com/bitcoin-loan-rates/500k” — 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.