Refinance
Refinance Your Bitcoin Loan
Already borrowing against your Bitcoin? See how every other lender compares on starting rate, what it costs to refinance, and how your collateral is held.
IndependentNo credit pullRates verified daily
Bitcoin-Backed Loans (9 lenders)
| Lender | APR range | |
|---|---|---|
Ledn Verified 2026-08-09 | 9.25–11.49% | Apply Now |
Arch (Standard) Verified 2026-08-09 | 7.25–10.49% | Apply Now |
SALT Verified 2026-08-09 | 7.49–10.50% | Apply Now |
APX Lending Verified 2026-08-09 | 9.99–11.49% | Apply Now |
Arch (Deferred) Verified 2026-08-09 | 8.00–10.99% | Apply Now |
Figure Verified 2026-08-09 | 9.76–12.35% | Apply Now |
Unchained Verified 2026-08-09 | 14.18% | Apply Now |
Strike Verified 2026-08-09 | 7.75–11.25% | Apply Now |
Nexo Verified 2026-08-09 | 15.90% | Apply Now |
Compare your refinance options in seconds
Tell us who you borrow from now and we'll show how every other lender stacks up. No credit pull, and we never tell your current lender.
Refinancing a Bitcoin-backed loan means replacing your current loan with a new one at today’s rates, either with your existing lender or a different one. You pay off the original balance and open a fresh loan against the same Bitcoin, ideally at a lower effective APR, a higher loan-to-value cap, or a custody arrangement you trust more.
People refinance for a handful of reasons: rates have fallen since they borrowed, they want a lower origination fee, they would rather their coins sit with a qualified custodian than in a lender’s pooled wallet, or their Bitcoin has appreciated and they want to pull out additional cash. The comparison above surfaces where every other lender stands so you can see whether switching is worth the cost.
The trade-off is the switching cost: a new origination fee, any early-payoff or prepayment terms on your current loan, and the operational step of moving collateral. Weigh the all-in cost, not just the headline rate. For open, revolving credit lines there is no fixed maturity to refinance, and we flag that in your results.
Frequently asked questions
What does it mean to refinance a Bitcoin loan?
Refinancing means paying off your existing Bitcoin-backed loan and opening a new one at current rates, usually to get a lower effective APR, a higher loan-to-value cap, or a custody model you prefer. You can refinance with your current lender or move to a different one, and your Bitcoin stays the collateral either way.
When is it worth refinancing a Bitcoin loan?
It is usually worth it when the rate you can get elsewhere, after the new origination fee and any early-payoff cost on your current loan, is meaningfully lower than what you pay now. Falling rates, an exclusive partner discount, or wanting a qualified custodian instead of a pooled wallet are common triggers. Compare the all-in cost, not just the headline APR.
Does refinancing a Bitcoin loan require a credit check?
Most Bitcoin-backed loans need no credit check because the loan is secured by your Bitcoin, not your credit history. Comparing lenders here never triggers a credit pull. Confirm each lender’s policy at application, as a few may run a soft check.
Will my current lender know I am comparing options?
No. Comparing here is anonymous and we never contact or notify your current lender. You only engage a new lender if and when you decide to move your loan.
Can I refinance to pull out more cash?
Sometimes. If your Bitcoin has appreciated, some lenders let you refinance into a larger loan at the same loan-to-value, releasing additional cash. That raises your balance and your margin-call risk, so weigh it against the buffer you want before a price drop.
Related Guides
Deeper reading on refinancing and borrowing against Bitcoin.
- 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
- August 4, 2026What Happens in a DeFi Bitcoin Loan Liquidation (2026)An on-chain liquidation has no margin call, no cure period, and no one to phone. Here is the sequence, the buffer each protocol gives you, and how it differs from a CeFi margin call.Read guide
- August 4, 2026How Bitcoin Lenders Price a Loan (2026)Your rate is not one number. It moves with loan size, LTV tier, term and origination fee, and the advertised headline is usually the best case. How each lever works and what actually determines your cost.Read guide
“Refinancing” here means paying off your existing Bitcoin-backed loan and opening a new one at current rates, usually with the same or a different lender. 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.