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BTC

BTC-backed loans

Access funds without selling your BTC

Get a loan in 3 simple steps without pre-payment penalties, and no interest payments until you close the loan. Funds are sent within 12 hours of receiving collateral, though delivery may be delayed by bank processing, weekends, or holidays.

Loan calculator

BTC-backed loans have a 12-month term and are denominated in US dollars, but can be funded in your preferred currency, where applicable. Learn what makes Ledn loans special.

Loan amount
USD USD
Funded in

Larger loans qualify for lower rates. Adjust the amount to see how much you can save.

Rate (APR)
11.49%
< 250,000 USD
10.99%
250,000+ USD
10.49%
500,000+ USD
9.99%
1 million+ USD
Collateral
BTC BTC

Your collateral is held securely in custody with Ledn or our trusted partners. It is never lent out to earn interest. Learn how Ledn keeps your collateral safe

Loan amount
500.00 USD
Funded in CLP.
Collateral
— BTC
Amount required once your loan is approved.
Finance charge
11.49% APR
9.49% annual interest rate + 2% administration fee. Minimum administration fee is 25 USD.
Initial Loan-to-Value (LTV)
50%
Margin call LTV: 70% · Liquidation LTV: 80%. Learn more about LTV
Loan-to-Value (LTV) simulator

Learn how the future market price of BTC would impact a new loan, and discover features to achieve the best outcomes.

BTC price
≤45,941 USD
73,506 USD
≥122,510 USD
USD
Approximate BTC price: 73,506 USD
LTV
≤30% 50% 70% 80%
%

Your LTV is affected by BTC price and the finance charges on your loan. As daily interest is added to your loan the LTV will change. The simulator should be only used for estimation purposes.

Healthy, starting LTV
Loans start at 50% LTV. BTC market price and finance charges will make your LTV fluctuate.
Enable Auto Top-up to help protect your loan.
Ledn loans
Kickstart your loan journey in 3 easy steps
1
3 MINUTES
Apply for your loan
Most loans are approved instantly.
→
2
~12 HOURS
Receive funds
Funds are sent within 12 hours of receiving collateral, though delivery may be delayed by bank processing, weekends, or holidays.
→
3
12 MONTH TERM
Manage your loan
Repay at any time without penalty.
Frequently asked questions
What are the loan rates?
Ledn loans have an APR starting as low as 9.99%.
How long is my loan term?
Loans have a 12-month term and can be renewed annually as many times as you want.
Do I have to make monthly interest payments?
Ledn loans do not require any monthly payments.
How can I repay my loan?
You can repay your loan with USDC, via bank wire transfer, or by selling some of your loan collateral. You can repay at any time without penalty.
Still have questions? Learn more about loans in our help centre

Verify your identity

Complete your identity verification (KYC) to gain full access to loan applications and other products.

Apply for a Loan

Your BTC will be locked as collateral. You receive 50% of its value.

BTC
Available: 0 BTC
You will receive: 0.00 USDT
BTC locked until repayment