Brief
$25,000 request at 33.0% LTV
12 months term on about $75,818 in BTC collateral value.
Loan sizing tool
How much can you borrow against your Bitcoin?
Enter BTC, pick a cash target, see matching lenders.
Estimated borrowing power$37,909
$25,000 request · 33.0% LTV · 12 matching lenders
Lowest modeled rateAave 4.37% (variable)
Indicative — DeFi rates float with pool utilization.
BTC
Worth $75,818 at ~$75,818/BTC dated snapshot (Sep 15, 2026)
0.1 BTC5 BTC10 BTC20 BTC
$
33.0% LTV
Lower riskEvery BTC-backed loan can be liquidated if the BTC price falls far enough — lower LTV adds buffer, it doesn't remove the risk.
$1,000$18,955$37,909$56,864
Lowest modeled rate
Aave at 4.37% APR — variable, indicative
Monthly interest est.
$91
12mo interest est.
$1,093
Sizing snapshot
12 of 12 lenders currently match this loan brief
$25,000 request at 33.0% LTV against about $75,818 in BTC. 12 of 12 lenders fit the basic size and term screen; compare custody, jurisdiction, and safety before applying.
Lowest-cost qualifying line
Aave
4.37% APR with about $91/mo estimated interest. Variable rate — verify the live rate before borrowing.
Next move
Compare my loan
Open compare with this sizing context so you can pressure-test custody, jurisdiction, safety, and lender terms.
Compare my loanMatching lenders
12 months term · Sorted by lowest total cost
Aave
Cheapest sizing line
8.3DeFi
APR
4.37%
Monthly interest est.
$91
12mo interest est.
$1,093
Liquidation at
$32,051
Max you can borrow
$55,347
Lowest modeled interest-only cost for this sizing pass; review lender details, then compare the shortlist.
Coinbase / Morpho
Use compare before treating this as final
6.3DeFi
APR
5.00%
Monthly interest est.
$104
12mo interest est.
$1,250
Liquidation at
$29,070
Max you can borrow
$56,864
Qualifies on size and term; compare safety, custody, and jurisdiction before treating it as a shortlist option.
SALT Lending
Use compare before treating this as final
5.5CeFi
APR
7.49%
Monthly interest est.
$156
12mo interest est.
$1,873
Liquidation at
$27,500
Max you can borrow
$53,073
Qualifies on size and term; compare safety, custody, and jurisdiction before treating it as a shortlist option.
Lava
Use compare before treating this as final
3.4DeFi
APR
7.50%
Monthly interest est.
$156
12mo interest est.
$1,875
Liquidation at
$50,000
Max you can borrow
$37,909
Qualifies on size and term; compare safety, custody, and jurisdiction before treating it as a shortlist option.
Milo
Use compare before treating this as final
7.0CeFi
APR
8.75%
Monthly interest est.
$182
12mo interest est.
$2,188
Liquidation at
$37,313
Max you can borrow
$37,909
Qualifies on size and term; compare safety, custody, and jurisdiction before treating it as a shortlist option.
Figure
Use compare before treating this as final
7.1CeFi
APR
8.91%
Monthly interest est.
$186
12mo interest est.
$2,228
Liquidation at
$27,778
Max you can borrow
$56,864
Qualifies on size and term; compare safety, custody, and jurisdiction before treating it as a shortlist option.
APX Lending
Use compare before treating this as final
6.2CeFi
APR
9.99%
Monthly interest est.
$208
12mo interest est.
$2,498
Liquidation at
$27,778
Max you can borrow
$45,491
Qualifies on size and term; compare safety, custody, and jurisdiction before treating it as a shortlist option.
Arch Lending
Use compare before treating this as final
7.0CeFi
APR
10.49%
Monthly interest est.
$219
12mo interest est.
$2,623
Liquidation at
$31,250
Max you can borrow
$45,491
Qualifies on size and term; compare safety, custody, and jurisdiction before treating it as a shortlist option.
Xapo Bank
Use compare before treating this as final
8.8CeFi
APR
10.50%
Monthly interest est.
$219
12mo interest est.
$2,625
Liquidation at
$31,250
Max you can borrow
$30,327
Qualifies on size and term; compare safety, custody, and jurisdiction before treating it as a shortlist option.
Strike
Use compare before treating this as final
6.4CeFi
APR
10.50%
Monthly interest est.
$219
12mo interest est.
$2,625
Liquidation at
$29,412
Max you can borrow
$37,909
Qualifies on size and term; compare safety, custody, and jurisdiction before treating it as a shortlist option.
Ledn
Use compare before treating this as final
7.4CeFi
APR
11.49%
Monthly interest est.
$239
12mo interest est.
$2,873
Liquidation at
$31,250
Max you can borrow
$37,909
Qualifies on size and term; compare safety, custody, and jurisdiction before treating it as a shortlist option.
Maker (Sky)
Use compare before treating this as final
8.2DeFi
APR
16.00%
Monthly interest est.
$333
12mo interest est.
$4,000
Liquidation at
$37,313
Max you can borrow
$50,798
Qualifies on size and term; compare safety, custody, and jurisdiction before treating it as a shortlist option.
APR snapshots checked September 14, 2026. Cost and liquidation estimates use the $75,818/BTC dated snapshot (Sep 15, 2026). Rates may vary by loan size and jurisdiction. Disclosure
Calculator appendix
Need the deeper context?
The calculator stays focused on sizing. These notes keep cost, risk, and next-step context short.
Is this a lender quote?
No. It is a modeled estimate using checked lender data and the BTC price benchmark loaded for the session.
What should I compare after sizing?
Compare APR, fees, LTV, custody model, margin-call room, jurisdiction, and lender safety before applying.
What is the biggest calculator risk?
Liquidation. A low monthly interest estimate can still be dangerous if the LTV leaves too little BTC drawdown buffer.
When should I lower the request?
Lower it when LTV rises above conservative ranges, few lenders qualify, or monthly interest would force future BTC sales.
Methodology & source receipt
No paid ranking boostsRanking is editorial
APR snapshotChecked September 14, 2026
Estimate modelInterest + LTV + liquidation
DisclosureRead assumptions
Back to the main decision tool
Back to calculatorAdjust BTC, loan amount, and term before comparing lenders.