APX Lending Review: 2026 Bitcoin Loan Comparison
Regulated crypto-backed lender serving US and Canadian borrowers, with no credit checks and no origination or management fees. Collateral (BTC, ETH) is held in segregated, insured cold storage with BitGo Trust. US loans start at 25,000 dollars with tiered APRs.
Rate data verified June 9, 2026 · Updated weekly
What APX Lending Offers
Regulated crypto-backed lender serving US and Canadian borrowers, with no credit checks and no origination or management fees. Collateral (BTC, ETH) is held in segregated, insured cold storage with BitGo Trust. US loans start at 25,000 dollars with tiered APRs.
Your Bitcoin collateral is held via qualified third-party custodian, held by BitGo Trust. APX Lending does not rehypothecate your Bitcoin. Your collateral is kept segregated and untouched. Collateral insurance: Collateral held with BitGo Trust in segregated cold storage, insured up to 250 million dollars..
Rates range from 9.99%–11.49%. The product is available in not publicly posted.
Key Facts
- No origination or management fees
- No credit check
- BTC and ETH accepted as collateral
- Segregated cold-storage custody with BitGo Trust
- US minimum loan 25,000 dollars
What to Consider
- US state-by-state availability not publicly itemized
- Maximum loan size not publicly posted
- Margin-call and liquidation LTV thresholds not publicly itemized
How APX Lending Compares
APX Lending is one of several options in the Bitcoin loan market. Borrowers often compare it alongside Arch (Deferred), Figure, and Strike. Each lender differs on APR range, custody model, rehypothecation posture, max LTV, and state coverage, factors that matter differently depending on your loan size and how much you care about custody transparency. The side-by-side comparison lets you sort and filter all Bitcoin loan lenders at once.
Frequently Asked Questions
Is APX Lending safe to borrow against Bitcoin?
APX Lending is an active lender. Your collateral is handled via qualified third-party custodian. APX Lending does not rehypothecate your Bitcoin. Insurance coverage: Collateral held with BitGo Trust in segregated cold storage, insured up to 250 million dollars.. As with any Bitcoin-backed loan, review the custody model, liquidation thresholds, and loan terms carefully before borrowing.
What rates does APX Lending charge?
APX Lending charges 9.99%–11.49% APR. US tiered APR: 11.49% under 100K, 10.99% from 100K to 1M, 9.99% over 1M. No origination, admin, or hidden fees, so the APR equals the all-in cost. Source: help.apxlending.com/hc/en-us/articles/42122325387283 (verified 2026-06-11). There is no origination fee.
Does APX Lending rehypothecate my Bitcoin?
No, APX Lending does not rehypothecate your Bitcoin. Your collateral is held via qualified third-party custodian and is not re-lent to other parties.
What states does APX Lending serve?
APX Lending is available in Not publicly posted. State availability not publicly posted Always confirm current availability directly with APX Lending before applying, as state coverage can change.
How fast does APX Lending fund loans?
APX Lending typically funds within Instant. Loan terms: 3 to 60 months, extendable. Actual timing may vary based on verification requirements and your specific situation.
What fees does APX Lending charge?
Known fees include: no origination fee. Always request a full fee disclosure from APX Lending before signing any loan agreement.
How does APX Lending compare to other Bitcoin loan lenders?
To see APX Lending side-by-side with every other major Bitcoin loan lender, rates, custody model, LTV, and more, use the free comparison tool at borrowonbitcoin.com. You can sort by APR, LTV, funding speed, or custody model and filter to your state.
Key Terms
Compare APX Lending side-by-side with all Bitcoin loan lenders
Free, independent comparison, rates, custody, LTV, and funding speed. No credit pull.
Compare all Bitcoin loan lenders →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 or the factual data we publish. Rates and terms are subject to change; verify directly with each lender before applying. Full disclosures.