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Bitcoin-backed lending,
made clear.

All the information and tools you need to compare your options and make a confident choice before taking out a Bitcoin-backed loan.

Loan amount$40,000
How much price-drop protection do you want? iLTV = loan-to-value — how much you borrow against your Bitcoin. Lower LTV means a bigger safety buffer before a margin call. Wider buffer 25% · Moderate buffer 40% · Smaller buffer 50%.
What’s most important to you?
Bitcoin you'd pledge
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Published rates from iFixed rate is locked for the whole loan. Variable can move with the market — often lower, less predictable. We lead with the lowest fixed pricing that covers the amount and LTV.
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Estimated margin-call range
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What BitClarity helps you answer

The lowest rate is not always the best decision.

What will it really cost?

Compare effective APR and disclosed fees using your loan amount—not just advertised starting rates.

Who controls my Bitcoin?

See whether collateral is custodial, segregated, multisig, self-custodied or potentially rehypothecated.

What happens if Bitcoin falls?

Compare margin-call prices, liquidation thresholds, cure periods and the amount of price-drop protection each structure provides.

BitClarity is an independent research publisher, not a lender or broker. We do not take loan applications or sell your information to lenders.
1. Your numbers ✓→2. Availability→3. Compare tradeoffs

Compare the tradeoffs for your situation.

Add your location and borrower type to separate confirmed options from products that still require verification.

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⚠ APRs in the table above include origination and admin fees where lenders disclose them, so you're comparing real costs. Lenders can change terms anytime, though — please confirm directly before applying. Last checked: loading....
Bitcoin lines of credit
Revolving credit against your Bitcoin — draw and repay as you go, instead of a fixed lump-sum loan. A smaller set of providers, tracked the same way as loans.
⚠ Lines of credit can price and behave differently from term loans — rates may be variable and draws flexible. Confirm details with the provider before applying. Want a card to spend against your Bitcoin? See Bitcoin cards.
Loan calculators
Run your own numbers — every figure here uses each lender's actual current terms, not generic examples. Want to go deeper? Try the Loan Simulator (stress-test any lender, replay historical crashes) or the Margin Call Comparison (who calls first at your setup).
Interest uses the normalized offer for this amount and term where a tier is published; otherwise the provider's published range is shown. Interest-only structure assumed. Variable rates can move after borrowing.
Maximum borrow at each lender's published max LTV. Some lenders restrict higher LTV tiers by jurisdiction or collateral type — see lender pages for details.
Margin call and liquidation prices use each lender's published LTV thresholds. Accrued interest raises your LTV over time, so real triggers are slightly higher than shown. Treat these as estimates.
Lender guides
Plain-English guides to every provider we track — how they work, what they cost, and the fine print worth knowing before you apply.