Bitcoin-Backed Loans in Louisiana
6 of the 7 Bitcoin-backed loan lenders we track serve Louisiana, with rates from 7.25% APR. Here is who lends in Louisiana, who doesn't, and what each offers.
Louisiana pairs a low flat 3 percent income tax with an explicitly pro-Bitcoin legal posture that protects self-custody, making the sell versus borrow contrast concrete: a Bitcoin holder who sells owes federal plus 3 percent state tax on the gain, while pledging that same Bitcoin as loan collateral is not a taxable sale. With no crypto-specific lending statute, access depends on which national lenders are licensed in the state.
By Steven Han and Michael Song ·Availability verified September 15, 2026 · Verified daily · rates last changed August 22, 2026 · Louisiana tax and regulatory review July 22, 2026
Sell or borrow in Louisiana: the tax math
Selling Bitcoin in Louisiana can trigger federal capital gains tax plus the state's flat 3 percent income tax on the gain, while borrowing against your Bitcoin is not a sale and so is not itself a taxable event.
Louisiana levies a flat 3 percent individual income tax, a structure enacted by House Bill 10 during the November 2024 special session and effective for tax years beginning January 1, 2025, replacing the old graduated 1.85 to 4.25 percent brackets. The state taxes both long-term and short-term capital gains as ordinary income, so a large gain from selling Bitcoin is taxed at the flat 3 percent rate. Louisiana offers a narrow exclusion for net gains on the sale of a non-publicly traded Louisiana business held at least five years, which does not apply to Bitcoin. That state charge stacks on top of federal capital gains tax.
Important: not tax or legal advice
The tax and regulatory information on this page is general information, not tax, legal, or investment advice, and the rates shown are illustrative top-of-schedule figures, not a calculation of what you personally would owe. borrowonbitcoin.com is published by Sypher Capital; we are a publisher and affiliate referral source, not a lender, broker, registered investment advisor, tax preparer, or law firm. The state and federal figures here are compiled from public sources, including IRS Revenue Procedures, state departments of revenue and taxation, state statutes, and the Tax Foundation, and are current only as of the tax year shown; the sources are linked at the foot of this page. Tax and licensing law change, sometimes mid-year, and how any of it applies to you depends on your income, filing status, residency, cost basis, holding period, local taxes, and other facts this page does not capture, so your actual result can differ materially. The tax treatment of Bitcoin-backed loans is itself unsettled and still developing. Borrowing against Bitcoin carries its own risks, including forced liquidation of your collateral. Lender availability and a state's rules can both change; confirm current eligibility with the lender, and confirm your own tax situation with a CPA or qualified tax professional, before acting on anything here.
Louisiana tax and regulatory facts for the 2026 tax year, last reviewed July 22, 2026. Sources are listed at the foot of this page.
Lenders available in Louisiana
| Lender | APR | Max LTV | Custody | Eligibility note | Review |
|---|---|---|---|---|---|
 Arch | APRfrom 7.25% | Max LTVup to 60% | CustodyQualified custodian | From $5,000 | Learn More |
 SALT | APRfrom 7.49% | Max LTVup to 70% | CustodyLender-held | From $5,000 | Learn More |
 Strike | APRfrom 7.75% | Max LTVup to 50% | CustodyLender-held | From $10,000 | Learn More |
 Ledn | APRfrom 9.25% | Max LTVup to 50% | CustodyQualified custodian | From $1,000 | Learn More |
 Figure | APRfrom 9.76% | Max LTVup to 75% | CustodyLender-held | From $5,000 | Learn More |
 APX Lending | APRfrom 9.99% | Max LTVup to 60% | CustodyQualified custodian | US loans paid in USDC · $25k min | Learn More |
Estimate your rate in Louisiana
Borrowing $100,000 against 2.64 BTC ($200,000) is 50% LTV. BTC reference ≈ $75,900.
6 lenders serve Louisiana at this size and LTV, lowest effective APR first. Effective APR includes origination fees.
SALTLowest APRFigureArchAPX LendingStrikeLednNot available in Louisiana
Unchained does not currently lend in Louisiana, based on each lender's stated coverage.
Why lender coverage looks the way it does in Louisiana
Louisiana has no crypto-specific consumer-lending regime aimed at Bitcoin-backed loans. It does regulate crypto businesses through money transmission law: the Louisiana Money Transmission Act (House Bill 1230), effective July 1, 2026, adopts the Conference of State Bank Supervisors model act and is administered by the Office of Financial Institutions using NMLS. Availability of Bitcoin-backed loans is therefore broadly nationwide, subject to each lender's own multistate licensing rather than a Louisiana crypto-lending statute.
Bitcoin and crypto in Louisiana
Louisiana is notably crypto-friendly.
Louisiana bitcoin law & policy tracker (2026)
Last reviewed · Reviewed quarterly
Louisiana enacted a full set of digital-asset protections in a single 2024 bill, including one most states leave out: an explicit right to use bitcoin as a means of payment.
The docket
- Signed by the Governor, 2024HB 488 (2024)
Blockchain and digital asset regulation
Signed by Governor Jeff Landry. It protects the right to self-custody digital assets in a non-custodial or hardware wallet, shields home miners and node operators, affirms the right to use bitcoin as a means of payment, and bars state participation in a central bank digital currency.
The payment clause is the one worth separating out. Most protection laws in this series cover custody and mining. Fewer state that you may pay with bitcoin at all, and that is a different kind of right: it is about what a merchant transaction may be, not about what you may hold.
Louisiana passed this in the same year as Oklahoma, Arkansas and Montana, which is why 2024 reads as the year the protection bills clustered.
Separately, the Louisiana Money Transmission Act reaches crypto businesses that exchange or transmit. It governs that activity, not lending against bitcoin you already hold.
Tax and lending
Louisiana's top capital gains rate is 3 percent, among the lowest of the states that tax income at all. The state cost of a sale is small, so the case for borrowing rests mostly on the federal bill and on keeping the position.
No crypto-specific consumer lending regime exists. Unchained is the only lender we track that does not serve Louisiana.
Legislative status is current as of August 27, 2026 and re-checked quarterly. Bills move, take effect, and die between reviews, so confirm anything you plan to act on against the primary sources linked above and at the foot of this page. This is information, not legal or tax advice.
Lender availability above reflects each lender's stated state coverage, which we verify daily. This page is information, not legal or financial advice, and a lender's coverage or a state's rules can change, so confirm current eligibility with the lender when you apply.
Frequently asked
Does Louisiana tax the gain when I sell Bitcoin?
Yes. Louisiana taxes capital gains as ordinary income at its flat 3 percent rate, and that applies to gains from selling Bitcoin. That state tax is on top of any federal capital gains tax you owe. Borrowing against your Bitcoin instead of selling is not a sale, so it does not by itself create a taxable gain.
Is it legal to hold and borrow against Bitcoin in Louisiana?
Yes. Louisiana's 2024 digital-asset law, House Bill 488, specifically protects the right to self-custody digital assets and to use Bitcoin as payment, and the state has no law prohibiting Bitcoin-backed loans. Which lenders you can use depends on each company's own state licensing, since Louisiana has no crypto-specific lending regime.
Why are some Bitcoin loan providers not available in Louisiana?
Availability comes down to each lender's multistate licensing, not a Louisiana crypto-lending ban. Firms that move or hold customer funds may need to comply with the Louisiana Money Transmission Act, effective July 1, 2026, and administered by the Office of Financial Institutions, so a provider may launch in Louisiana only after it secures the licenses it needs.
Can I get a Bitcoin-backed loan in Louisiana?
Yes. 6 of the Bitcoin-backed lenders we track serve Louisiana, with starting rates from 7.25% APR. They include Arch, SALT, Strike, Ledn, and others.
Which lenders offer Bitcoin-backed loans in Louisiana?
Arch, SALT, Strike, Ledn, Figure, APX Lending all serve Louisiana according to their stated coverage, which we verify daily.
Are any Bitcoin loan lenders not available in Louisiana?
Unchained does not currently lend in Louisiana.
Bitcoin loans in nearby states
New to this? How Bitcoin-backed loans work covers LTV, margin calls, and custody before you compare rates in Louisiana.
Sources
- Louisiana has a flat 3.00 percent individual income tax rate for 2026. · taxfoundation.org
- Louisiana taxes capital gains as ordinary income at its flat 3 percent rate, effective for tax years beginning January 1, 2025. · revenue.louisiana.gov
- Louisiana enacted the Money Transmission Act (HB 1230) effective July 1, 2026, adopting the CSBS Model Money Transmission Modernization Act and administered by the Office of Financial Institutions via NMLS. · natlawreview.com
- Louisiana enacted House Bill 488 in 2024, signed by Governor Jeff Landry, protecting self-custody and mining rights and banning state CBDC participation. · cryptoslate.com
- Louisiana HB 488 (2024), blockchain and digital asset regulation · legis.la.gov
- Louisiana Office of Financial Institutions · ofi.la.gov
Cite this data
Bitcoin-backed loan availability in Louisiana: 6 of 7 tracked lenders serve the state, from 7.25% APR. borrow/on/bitcoin, verified September 15, 2026. https://borrowonbitcoin.com/bitcoin-loans/louisiana
Free to cite with attribution and a link. Media inquiries welcome.
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