Bitcoin-Backed Loans in Oregon (2026)
7 of the 7 Bitcoin-backed loan lenders we track serve Oregon, with rates from 7.25% APR. Here is who lends in Oregon, who doesn't, and what each offers.
Oregon taxes capital gains as ordinary income at up to 9.9 percent with no long-term break, which sharpens the case for borrowing against Bitcoin instead of selling it. The state's 2025 UCC update explicitly recognizes digital assets as collateral, and with no crypto-specific lending regime most national Bitcoin-backed lenders can serve Oregon borrowers.
Availability verified August 2, 2026 · Verified daily · Oregon tax and regulatory review July 22, 2026
Sell or borrow in Oregon: the tax math
Selling Bitcoin in Oregon can be taxed as ordinary income at up to 9.9 percent at the state level plus federal capital gains tax, while borrowing against that Bitcoin is not a sale and triggers no such tax event.
Oregon levies a progressive personal income tax with four brackets running from 4.75 percent to a top marginal rate of 9.9 percent, and it has no statewide sales tax. Oregon makes no distinction between long-term and short-term capital gains, taxing all capital gains as ordinary income at the same rates with no preferential rate or exclusion. A large long-term Bitcoin gain can therefore face the full 9.9 percent state rate on top of federal capital gains tax. There is no Oregon-specific carve-out for cryptocurrency gains.
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.
Oregon 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 Oregon
| Lender | APR | Max LTV | Custody | Eligibility note | Review |
|---|---|---|---|---|---|
 Arch (Standard) | 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 | Minimum on request | Learn More |
 APX Lending | APRfrom 9.99% | Max LTVup to 60% | CustodyQualified custodian | US loans paid in USDC · $25k min | Learn More |
 Unchained | APRfrom 14.18% | Max LTVup to 50% | CustodyCollaborative multisig | Commercial only · entities · $150k min | Learn More |
Estimate your rate in Oregon
Borrowing $100,000 against 3.15 BTC ($200,000) is 50% LTV. BTC reference ≈ $63,400.
6 lenders serve Oregon at this size and LTV, lowest effective APR first. Effective APR includes origination fees.
SALTLowest APRFigureArch (Standard)APX LendingStrikeLednWhy lender coverage looks the way it does in Oregon
Oregon has no crypto-specific consumer-lending regime, so Bitcoin-backed loan availability is broadly nationwide subject to each lender's own multistate licensing. The state does treat virtual currency businesses that transmit crypto between parties as money transmitters, requiring a license from the Division of Financial Regulation with bonding and net-worth minimums. In 2025 Oregon enacted SB167, which adopted UCC Article 12 and amended UCC Article 9 to expressly let digital assets serve as collateral in secured transactions.
Bitcoin and crypto in Oregon
Oregon has taken a constructive posture toward digital assets rather than pursuing a state Bitcoin reserve. Governor Tina Kotek signed SB167 in May 2025, integrating crypto, tokenized records, and electronic money into Oregon's Uniform Commercial Code and clarifying their use as loan collateral. The state's Division of Financial Regulation also publishes consumer-protection guidance on cryptocurrency volatility and fraud risks.
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 Oregon tax profits from selling Bitcoin?
Yes. Oregon taxes capital gains as ordinary income with no preferential long-term rate, so a gain from selling Bitcoin can be taxed at rates up to the 9.9 percent top marginal rate, in addition to federal capital gains tax. Borrowing against Bitcoin instead of selling it is not a sale and does not trigger this tax.
Are Bitcoin-backed loans available to Oregon residents?
Generally yes. Oregon has no crypto-specific lending law that blocks these products, so availability depends on each lender's own multistate licensing. Firms that transmit crypto between parties must hold an Oregon money transmitter license from the Division of Financial Regulation.
Can Bitcoin legally be used as loan collateral in Oregon?
Yes. In 2025 Oregon enacted SB167, which added UCC Article 12 and amended UCC Article 9 to expressly allow digital assets such as Bitcoin to serve as collateral in secured transactions, giving lenders and borrowers a clearer legal framework.
Can I get a Bitcoin-backed loan in Oregon?
Yes. 7 of the Bitcoin-backed lenders we track serve Oregon, with starting rates from 7.25% APR. They include Arch (Standard), SALT, Strike, Ledn, and others.
Which lenders offer Bitcoin-backed loans in Oregon?
Arch (Standard), SALT, Strike, Ledn, Figure, APX Lending, Unchained all serve Oregon according to their stated coverage, which we verify daily.
Are any Bitcoin loan lenders not available in Oregon?
No. Every Bitcoin-backed loan lender we track serves Oregon.
Bitcoin loans in nearby states
Sources
- Oregon income tax runs 4.75 to 9.9 percent, taxes capital gains as ordinary income, and has no statewide sales tax · aarp.org
- Oregon 2026 income tax brackets and 9.9 percent top marginal rate · taxfoundation.org
- Oregon requires virtual currency transmitters to hold a money transmitter license from the Division of Financial Regulation · dfr.oregon.gov
- Oregon SB167 (2025 Regular Session), enacted as Chapter 33, adopted UCC Article 12 and amended the UCC to govern digital assets, including their use as collateral in secured transactions · olis.oregonlegislature.gov
Cite this data
Bitcoin-backed loan availability in Oregon: 7 of 7 tracked lenders serve the state, from 7.25% APR. borrow/on/bitcoin, verified August 1, 2026. https://borrowonbitcoin.com/bitcoin-loans/oregon
Free to cite with attribution and a link. Media inquiries welcome.
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