Every lender we track, ranked by what a loan really costs: effective APR with origination and admin fees included, not the marketing number. Pulled live from the same database that powers our comparison table.
Checked daily against official sources · Last checked: loading…Sorted by the lowest effective APR each lender offers, fees included where disclosed. Marketplace (P2P) entries show the range we observe across live offers, not a quoted price. Click any lender for the full guide with sources.
Rate is one axis. These are the standouts on the axes people actually decide on, based on the same verified data:
Deciding between borrowing at all versus selling? That's its own decision, worked through here. Unsure how a crash would hit your loan? This guide walks one through.
Variable rates can move against you. The lowest numbers on this list are usually variable, set by DeFi market supply and demand. They're real, but the rate you start at is not a promise, and in tight markets variable rates have jumped several points in weeks.
Liquidation thresholds differ more than rates do. A lender that liquidates at 95% LTV leaves you far less crash room than one that acts at 70%, and that difference can matter more than a two-point rate gap. The margin-call and liquidation columns in the main table show each lender's levels.
Custody is part of the price. Who holds your bitcoin, whether it can be rehypothecated, and what happens if the lender fails are questions the APR doesn't answer. Several mid-priced lenders exist precisely because their custody model is stronger than the cheap end's.
Fees hide in different places. Origination fees, admin fees for some jurisdictions, liquidation fees. We fold disclosed fees into the effective APR above, but always read the lender's own fee schedule; ours links from every lender page.
The ranking above is lowest effective APR, ascending: each lender's advertised base rate plus origination and admin fees where disclosed, annualized. We verify terms against official lender pages daily with an automated monitor, snapshot every change into a historical dataset, and show the last-checked date at the top of this page. Marketplace lenders (Debifi, Hodl Hodl, Firefish) don't have a quoted rate, so we show the range observed across live offers instead, refreshed the same way. Numbers only enter our database with a source URL attached, and every lender page shows exactly where each figure came from.
BitClarity may earn referral fees when you apply through links on this site. That never influences the data or the order of this ranking, which is generated from the database, not edited by hand. Full detail on how we collect data.