Personal Bitcoin loans
Personal Bitcoin Loans: Borrow Cash Against Your BTC
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.
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Bitcoin-Backed Loans (9 lenders)
| Lender | APR range | |
|---|---|---|
Ledn Verified 2026-08-17 | 9.25–11.49% | Apply Now |
Arch (Standard) Verified 2026-08-17 | 7.25–10.49% | Apply Now |
SALT Verified 2026-08-17 | 7.49–10.50% | Apply Now |
APX Lending Verified 2026-08-17 | 9.99–11.49% | Apply Now |
Arch (Deferred) Verified 2026-08-17 | 8.00–10.99% | Apply Now |
Figure Verified 2026-08-17 | 9.76–12.35% | Apply Now |
Unchained Verified 2026-08-17 | 14.18% | Apply Now |
Strike Verified 2026-08-17 | 7.75–11.25% | Apply Now |
Nexo Verified 2026-08-17 | 15.90% | Apply Now |
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 17, 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, 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 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
- August 4, 2026Stacks vs Ethereum vs Solana: What the Chain Changes About a Bitcoin Loan (2026)Borrowing against Bitcoin on-chain means choosing a network before you choose a protocol. What changes across Ethereum, Base, Stacks, Solana and the rest, and why the cheapest rates sit where they do.Read guide
- August 4, 2026Which Bitcoin Lenders Offer Collaborative Custody or Multisig? (2026)Only one active US Bitcoin lender holds collateral in collaborative multisig. Here is who does, who uses a qualified custodian instead, and why those two are not the same thing.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.