Personal Bitcoin loans
Personal Bitcoin Loans: Borrow Cash Against Your BTC
By Steven Han and Michael Song
Compare every major personal Bitcoin lender side by side — effective APR, custody, LTV, and terms. Tell us your numbers and see who fits in seconds.
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 |
Compare personal bitcoin loans in seconds
Tell us how much Bitcoin you hold and how much you want to borrow. We’ll show the lenders that fit, side by side. No account or credit pull needed.
Latest data refresh: August 27, 2026
A personal Bitcoin loan lets you borrow cash using your Bitcoin as collateral without selling it, so you keep your upside and avoid a taxable sale. You pledge BTC, receive dollars (or a stablecoin), and repay on flexible terms while your Bitcoin backs the loan.
Personal-use borrowing is the most common reason people take a Bitcoin-backed loan — covering a large purchase, consolidating higher-rate debt, or bridging cash flow. The lenders below all lend against Bitcoin; they differ on rate, how much you can borrow per dollar of BTC (LTV), and whether your coins sit with a qualified custodian or in the lender’s own pool.
Frequently asked questions
What is a personal Bitcoin loan?
A personal Bitcoin loan is cash you borrow against Bitcoin you already own, pledged as collateral, for personal use. You do not sell your BTC, so there is no taxable disposal and you keep any future price upside. You repay the loan on set terms while the lender holds your Bitcoin.
How much can I borrow against my Bitcoin?
It depends on the lender’s maximum loan-to-value (LTV), typically 40% to 60% of your Bitcoin’s value, with some going higher. At 50% LTV, $100,000 of BTC supports a $50,000 loan. A lower LTV leaves more buffer before a margin call if Bitcoin’s price falls.
Does a personal Bitcoin loan affect my credit score?
Most Bitcoin-backed personal loans require no credit check because the loan is secured by your Bitcoin, not your credit history. Comparing lenders on this page never triggers a credit pull. Confirm each lender’s policy directly, as a few may run a soft check at application.
What happens if Bitcoin’s price drops?
If your loan-to-value rises past the lender’s threshold, you may face a margin call — a request to add collateral or repay part of the balance. If you do not, the lender can liquidate some Bitcoin to restore the ratio. Borrowing at a lower LTV reduces this risk.
Related Guides
Deeper reading on personal bitcoin loans and borrowing against Bitcoin.
- 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
- August 4, 2026The Custody Premium: What a Custodian Actually Costs You (2026)Custodial Bitcoin lenders charge about six percentage points more than on-chain protocols. We measure that gap daily. Here is what the premium buys, and when it is worth paying.Read guide
borrowonbitcoin.com is a comparison publisher. We are not a lender, broker, or registered investment advisor. We may receive compensation from some lenders featured; this does not influence our default ordering. Full disclosures.