🏦 Bitcoin Lending Platforms Comparison
The best Bitcoin lending platforms by country – USA & EU
Want to use Bitcoin as collateral to get a loan? Here’s an overview of the most established platforms, sorted by availability in the USA and EU.
📍 Show platforms for:
🇺🇸 Platforms for USA
Unchained Capital ⭐ RECOMMENDED FOR USA
The leading Bitcoin lending platform for the USA. Non-custodial multisig solution – you retain control of your Bitcoin. By Bitcoiners, for Bitcoiners.
✅ Advantages
- Non-custodial multisig security
- Over 10 years of experience
- Bitcoin-native philosophy
- Transparent fees
- Excellent reputation
❌ Disadvantages
- Only for USA citizens
- Higher interest than EU platforms
- Technically more demanding
🎯 For whom? Experienced Bitcoiners in the USA who value self-custody.
Coinbase Loans 👶 BEGINNER FRIENDLY
The easiest way to get Bitcoin loans in the USA. Integrated into the Coinbase app that millions already know. Ideal for beginners.
✅ Advantages
- Extremely user-friendly
- Publicly traded company
- Instant disbursement
- Low minimum amounts
- Established brand
❌ Disadvantages
- Only for USA citizens
- Custodial (Coinbase holds your BTC)
- Lower max. LTV
- Less privacy
🎯 For whom? Crypto beginners in the USA looking for a familiar platform.
Ledn
Bitcoin lending with transparent terms and good reputation. Regulated and established, offers flexible loan terms.
✅ Advantages
- Established since 2018
- Transparent terms
- Bitcoin-focused
- Good support
❌ Disadvantages
- Only for USA/Canada
- Custodial
- Higher interest rates
🎯 For whom? USA/Canada users who value transparency.
🇪🇺 Platforms for Europe
Nexo ⭐ RECOMMENDED FOR EU
The largest and most established Bitcoin lending platform in Europe. Regulated, insured, and with over 6 years of track record. Instant Loans available.
✅ Advantages
- Lowest rates in EU (from 6.9%)
- Instant Loans (immediate disbursement)
- Insured up to $775M
- Very established (since 2018)
- Large community
❌ Disadvantages
- Not available for USA
- Custodial (Nexo holds your BTC)
- Complex loyalty tiers
- History with altcoins
🎯 For whom? EU users seeking low interest rates and instant disbursement.
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YouHodler
Swiss Bitcoin lending with high max. LTV and innovative features like “Turbo Loans”. Regulated in Switzerland, ideal for more risk-tolerant strategies.
✅ Advantages
- Highest max. LTV (90%)
- Often lower interest rates
- Turbo Loans feature
- Swiss regulation
❌ Disadvantages
- Not available in USA
- High LTV = higher risk
- Smaller insurance
💰 Affiliate link: We may earn a commission if you sign up through this link – at no extra cost to you. Thanks for your support!
Firefish
Bitcoin on-chain lending with multisig security. Your Bitcoin stays in your control through on-chain escrow. For technically savvy Bitcoiners who want maximum sovereignty.
✅ Advantages
- Bitcoin stays in your control
- Multisig on-chain security
- Recovery function available
- No rehypothecation
❌ Disadvantages
- Not available in USA
- Younger (1 year track record)
- Technically more demanding
- Smaller community
🎯 For whom? Technically savvy Bitcoiners who don’t want to give up their keys.
💰 Affiliate link: We may earn a commission if you sign up through this link – at no extra cost to you. Thanks for your support!
📋 Other Platforms
There are other providers like Binance Loans, Crypto.com, River Financial, and others. However, those listed here are the most established with good reputation.
Important: Do your own thorough research and only use platforms you feel comfortable with. Never keep all assets on one platform!
🆕 New to this?
Before choosing a platform, you should understand the basics of Bitcoin lending. Our FAQ explains all important concepts, risks, and how the strategy works.
⚠️ Disclaimer
This is not financial advice and not a recommendation for any specific platform. All platforms have significant risks, including insolvency and total loss. Only invest what you can afford to lose.