Bitcoin Loan Simulator

Name: Bitcoin Lending Rates Dataset
Creator: Bitcoin Lending Rates
License: https://creativecommons.org/licenses/by/4.0/

Simulate your Bitcoin-backed loan risk, calculate liquidation prices, and compare DeFi vs CeFi rates. The best free BTC loan calculator, LTV estimator, and crypto collateral simulation tool.

Frequently Asked Questions

How to simulate a Bitcoin-backed loan?

Use our Bitcoin loan simulator to estimate your loan-to-value (LTV) ratio and liquidation price. Simply enter your BTC collateral amount and desired loan value to see how market moves affect your risk.

What is a safe LTV for crypto loans?

A lower LTV (Loan-to-Value) is safer. Most crypto loan calculators suggest keeping LTV below 50% to avoid liquidation during volatility. Our Bitcoin LTV calculator helps you visualize these buffer zones.

How much can I borrow against Bitcoin?

The amount depends on the lender's LTV limits. With our borrow against Bitcoin calculator, you can check limits across providers like Unchained, Ledn, and DeFi protocols. Typically, you can borrow up to 50-80% of your collateral's value.

DeFi vs CeFi Bitcoin Loans?

DeFi crypto loan simulators often show lower rates but require technical know-how. CeFi (Centralized) lenders offer ease of use but require trust. Our tool compares both, including non-custodial options like Lendstat and HODL LEND.

Calculate Liquidation Price

Knowing your liquidation price is critical. Our Bitcoin liquidation price calculator instantly updates as you adjust collateral or loan amounts, ensuring you can plan for market downturns effectively.

Interest Only vs Amortized

Most crypto loans are interest-only. Use our Bitcoin loan interest calculator to estimate your monthly costs without reducing your principal debt, or find providers offering flexible terms.

Current Bitcoin Lending Rates

Below is a snapshot of current rates for crawlers and non-JS clients.

Provider	APR	Type	LTV	Custody	Rehypothecation	KYC	Duration
Unchained	15%-20%	Fixed	40%	Multisig	No	Yes	12 Months
Debifi	14.15%-21.5%	Fixed	50%	DeFi	No	No	1-12 Months
Ledn	12.40%	Fixed	50%	CeFi	Limited	Yes	12 Months
Arch	12.50%	Fixed	50%	CeFi	No	Yes	1-24 Months
Aave	6.10%	Variable	75%	DeFi	No	No	Flexible
Strike	10.5%-14%	Fixed	50%	CeFi	No	Yes	1-24 Months
Nexo	18.90%	Variable	60%	CeFi	Limited	Yes	12 Months
SALT	8.95%-14.45%	Fixed	60%	CeFi	Yes	Yes	12 Months
Coin Rabbit	17.4%-19.4%	Variable	50%	CeFi	Yes	Yes	12 Months
HODL LEND	13.5%-23.5%	Variable	60%	DeFi	No	No	Flexible
Lava	11.99%	Fixed	50%	DeFi	No	No	1-12 Months
Firefish	6.5%-16.5%	Fixed	60%	DeFi	No	Yes	1-12 Months
Coinbase	8.7%	Variable	40%	CeFi	No	Yes	3-24 Months
Binance	4%	Fixed	60%	CeFi	Yes	Yes	Flexible
Libre	3%-20%	Fixed	50%	DeFi	No	No	Flexible
Lendstat	12.5%-26.5%	Fixed	70%	DeFi	No	No	1-6 Months
SOVRYN DLLR	15.73%	Fixed	50%	DeFi	No	No	1-12 Months
Mezo	1%	Fixed	80%	DeFi	No	No	Flexible
USDaf	0.5%-25%	Fixed	70%	DeFi	No	No	Flexible
Yala	9%	Fixed	65%	DeFi	No	No	Flexible