Compare the top Bitcoin and Ethereum loan providers in 2026. Rates from 1.9% APR, LTVs up to 75%, and flexible terms. Find the right lender for your crypto-backed loan.You're holding Bitcoin or Ethereum, and you need cash. Selling would mean a tax bill and losing future upside. A crypto-backed loan solves this—you borrow against your assets while keeping them.
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The lending market has exploded in 2026, with over $70 billion in crypto-backed loans now active. New providers are launching, established platforms are expanding, and borrowers have more choices than ever. But with choice comes confusion—rates vary from 1.9% to over 14% APR, LTVs range from 45% to 75%, and each provider has different fees and features.
In this guide, we compare the top Bitcoin and Ethereum loan providers in 2026. You'll learn their rates, LTV limits, fees, and unique features. By the end, you'll know which provider fits your borrowing needs.
Bitcoin Loan Providers: Who Offers the Best Terms?]
Bitcoin remains the most widely accepted collateral for crypto-backed loans. Here are the leading providers.
Blockchain.com
Blockchain.com launched its in-house crypto-backed loans in May 2026 with rates starting at 1.9% APR. The product is available globally and accepts Bitcoin, Ethereum, and USDC as collateral. It's designed for large holders seeking competitive pricing and high borrowing capacity. The platform operates across 70+ jurisdictions and has processed over $1.2 trillion in transactions.
Nexo
Nexo uses a revolving credit line—no fixed term, no minimum repayments, and interest accrues only on what you draw. By holding NEXO tokens at the Platinum tier, you can access rates as low as 1.9% APR with LTVs up to 50% for BTC and ETH. Nexo also offers Zero-Interest Credit—a separate product with 0% interest, zero fees, and built-in price protection. It accepts over 100 digital assets as collateral.
Strike
Strike offers standard Bitcoin loans with rates between 7.75% and 11.25% APR. In July 2026, Strike launched "volatility-proof" loans that remove price-triggered liquidations. Borrowers keep their Bitcoin even if the price falls—provided they keep making payments. The trade-off: a 45% LTV cap, six-month term, and higher rates of 10.7% to 14.2% APR. A 10-day grace period applies after missed payments before collateral can be sold.
Ledn
Ledn focuses exclusively on Bitcoin-backed loans and has issued over $11 billion since its founding. Rates start at 10.4% APR for U.S. and Canadian borrowers, with a maximum LTV of 50%. Loans carry a fixed 12-month term with full balance due at maturity—no monthly payments required. A 2% origination fee applies for borrowers outside the US and Canada.
Ethereum Loan Providers: Where to Borrow Against ETH]
While Bitcoin dominates the lending market, Ethereum is also widely accepted. Here are the best providers for ETH-backed loans.
Arch Lending
Arch offers rates from 7.25% APR for loans above $5 million, with smaller loans starting at 10.49% APR. Arch accepts BTC, ETH, and SOL with LTVs up to 60%. Collateral is held in segregated, on-chain, verifiable cold storage through Anchorage Digital, the only federally chartered crypto bank in the U.S. Origination fees range from 0.49% to 1.49%.
Figure Lending
Figure accepts Ethereum with LTVs up to 75%—among the highest in the market. The platform charges a 1% origination fee and a 2% liquidation fee if collateral is sold during a margin event. Rates are variable.
BTCLOAN
BTCLOAN is a lending marketplace that aggregates live quotes from institutional lenders including Tether, Galaxy, and Arch Lending. Borrowers see competitive terms side by side and choose. Accepted collateral includes BTC, ETH, XRP, and SOL with standard LTV between 65% and 70%. BTCLOAN uses a dynamic LTV model—borrowers with clean repayment history can progressively unlock better terms up to 70% LTV. The platform has already facilitated over $200 million in loan volume.
Block Earner
Block Earner launched Australia's first crypto-backed lending platform in July 2026. Borrowers can access up to $5 million within 24 hours using Bitcoin or Ethereum as collateral, with LTV up to 50%. The platform uses Fireblocks' institutional-grade custody technology. Defaulting borrowers have 30 days to repay before collateral is sold.
Comparison Table: Top Providers
Provider
APR Range
Max LTV
Accepted Collateral
Key Feature
Blockchain.com
From 1.9%
Varies
BTC, ETH, USDC
Global reach, low rates
Nexo
From 1.9%
50% (BTC/ETH)
100+ assets
Revolving credit line, 0% option
Strike (Standard)
7.75-11.25%
50%
BTC
No origination fee
Strike (Volatility-Proof)
10.7-14.2%
45%
BTC
No price liquidations
Arch Lending
7.25-10.49%
60%
BTC, ETH, SOL
Regulated custody
Ledn
From 10.4%
50%
BTC only
Bitcoin specialist
Figure
Variable
75%
BTC, ETH
Highest LTV
BTCLOAN
Variable
65-70%
BTC, ETH, XRP, SOL
Marketplace model, dynamic LTV
What Are the Risks of Borrowing Against Bitcoin and Ethereum?]
Crypto-backed loans offer flexibility, but you need to understand the risks before borrowing.
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Market Volatility and Liquidation
This is your primary risk. If the price of your collateral drops, your LTV rises. When it hits the liquidation threshold, the platform sells your assets to cover the loan. During the October 2025 crash, billions in positions were liquidated. Borrowing at a conservative LTV—40-50% even if the provider allows 75%—reduces this risk.
Choosing the Right Product
Different providers offer different risk profiles. Nexo's revolving credit line has no maturity date—you don't face a deadline that could coincide with a market downturn. Strike's volatility-proof loans remove price-based liquidations but shift risk to repayment ability. Fixed-term loans like Ledn's require full repayment at maturity—if you can't repay, your collateral is sold.
Custody and Counterparty Risk
When you deposit collateral, you're trusting a third party. Providers with segregated custody, like Arch's use of Anchorage Digital, reduce this risk. Platforms that rehypothecate—lend your collateral to others—increase your risk. Always check the custody model before borrowing.
How OmniLender Can Help]
Choosing the right Bitcoin or Ethereum loan provider in 2026 requires careful comparison. Rates range from 1.9% to over 14%, LTVs vary, and fees like origination and liquidation charges can add significantly to your cost.
At OmniLender, we understand that your digital assets are a significant part of your financial future. Our goal is to empower you with the knowledge and confidence to make informed borrowing decisions. We believe in helping you access liquidity while protecting your long-term holdings.
We encourage you to calculate the effective APR—including all fees—before choosing a provider. Understand where your collateral sits, what triggers liquidation, and whether the repayment structure matches your cash flow. A slightly higher rate might be worth the peace of mind of no-rehypothecation and segregated custody.
For more guidance on how crypto-backed lending fits into your broader financial strategy, visit https://omnilender.org/. We're here to support your financial journey.
About Bitcoin and Ethereum Loans]
[H3: Which provider has the lowest rates for Bitcoin-backed loans?]
Blockchain.com and Nexo offer rates starting at 1.9% APR. However, Nexo's lowest rate requires holding NEXO tokens at the Platinum tier, while Blockchain.com's rate applies to qualified borrowers. Always compare the full cost including fees.
[H3: Can I borrow against both Bitcoin and Ethereum with the same provider?]
Yes. Providers like Nexo, Arch Lending, BTCLOAN, and Blockchain.com accept both BTC and ETH as collateral. This allows you to use your entire portfolio to access liquidity without selling any asset.
[H3: What LTV should I choose for a crypto-backed loan?]
Choose a conservative LTV—40-50%—even if the provider allows higher. This gives you a buffer against price drops and reduces liquidation risk. Higher LTVs (60-75%) let you borrow more but narrow your safety margin significantly.
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[CONCLUSION]
Choosing the right Bitcoin or Ethereum loan provider in 2026 comes down to your specific needs. The three key takeaways are: 1) Compare effective APR—include origination and liquidation fees, not just advertised rates; 2) Choose your LTV carefully—lower LTV gives more safety against market volatility; and 3) Understand the product structure—revolving credit lines offer flexibility, fixed-term loans provide predictability, and volatility-proof products remove price risk at a cost.
The crypto lending market has matured significantly. Regulated providers with transparent custody and competitive rates are now accessible to most borrowers. Take time to compare your options and read the fine print.
If you're ready to explore how borrowing against your Bitcoin or Ethereum fits into your financial strategy, visit https://omnilender.org/ to learn more.
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