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 (10 lenders)
| Lender | APR range | |
|---|---|---|
CoinRabbit Verified 2026-07-13 | 11.95–16.80% | Visit CoinRabbit |
Ledn Verified 2026-07-13 | 9.25–11.49% | Visit Ledn |
Arch (Standard) Verified 2026-07-10 | 7.25–10.49% | Visit Arch (Standard) |
SALT Verified 2026-07-13 | 7.49–10.50% | Visit SALT |
APX Lending Verified 2026-07-05 | 9.99–11.49% | Visit APX Lending |
Arch (Deferred) Verified 2026-07-05 | 8.00–10.99% | Visit Arch (Deferred) |
Unchained Verified 2026-07-13 | 14.18% | Visit Unchained |
Figure Verified 2026-07-05 | 9.76–12.35% | Visit Figure |
Strike Verified 2026-07-05 | 7.75–11.25% | Visit Strike |
Nexo Verified 2026-07-05 | 18.90% | Visit Nexo |
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: July 13, 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.
- July 13, 2026Bitcoin Loan Data: Borrowers Didn’t Blink When Bitcoin FellIn its first month live, Borrow on Bitcoin logged over $100 million in loan demand at a median loan-to-value ratio of 26.3%. Here’s what that Bitcoin loan data says about a market traditional investors keep underestimating.Read guide
- July 3, 2026Exclusive Bitcoin Loan Rates Through Borrow on BitcoinA few lenders now offer discounted Bitcoin-backed loan rates through Borrow on Bitcoin that you will not get going to them directly. Ledn takes up to 0.25% off, and Arch 0.50% off, for borrowers who start here.Read guide
- June 30, 2026Bitcoin Is Down — What Do I Do With My Loan?Bitcoin dropped and your loan-to-value is climbing. A calm, math-first playbook: find your liquidation price, then decide whether to pay in capital or refinance — with the exact numbers to use.Read guide
- June 24, 2026How to Refinance a Bitcoin Loan: The Complete 2026 GuideHow to refinance a Bitcoin-backed loan: refinance vs renew vs roll over vs upsize, the break-even math, what each lender charges, the tax angle, and the risks.Read guide
- June 25, 2026DeFi Bitcoin Loan Rates June 2026: Onchain Borrow APRs Across ProtocolsCurrent onchain Bitcoin borrow rates for June 2026: the average variable USDC APR against wrapped Bitcoin across DeFi protocols, and how they compare to centralized lenders.Read guide
- June 24, 2026Bitcoin Loan Rates June 2026: Where APRs Stand and How to Compare LendersCurrent Bitcoin-backed loan rates for June 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
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.