Access Cash Without Selling Your Crypto
Borrow against your Bitcoin and get fast funding while keeping your assets secure. With competitive fixed rates and custody protection, you can unlock liquidity without giving up your investment potential.
FEATURED IN
LendingUSA Makes It Easy To Unlock
The Value Of Your Crypto.
Check Required
Easily
Crypto Secure
Without Selling
Cash: Ready When You Are.
Want to consolidate debt, fund a large purchase, or bridge short-term expenses?
LendingUSA's CryptoLending lets you borrow against your Bitcoin quickly and
securely without selling your holdings.
Make Big Moves
Use crypto to fund major purchases or life goals,
from a new car to business investments, all while
your assets stay in your wallet.
Improve your Home
Turn crypto's value into home upgrades,
renovations, or repairs that build lasting equity.
Simplify your Finances
Pay down high-interest balances or credit cards
using a lower-rate crypto-backed loan.
Grow your Portfolio
Access liquidity to diversify or reinvest while
your crypto continues to appreciate.
Hold Your Crypto. Unlock Your Cash.
Get the money you need without selling your digital assets. LendingUSA's crypto-backed
loans let you keep ownership of your crypto while accessing fast, flexible funding.
|
|
|
|
|---|---|---|---|
| Interest Rate | 7.9% - 15.24% | 9.9% | 7% - 10.35% |
| APR | 9.89% - 17.17% | 11.9% | 8.49% - 11.84% |
| Max LTV | Up to 70% | Up to 50% | Up to 60% |
| Origination Fee | 1% | 2% Admin Fee | 1.5% |
| Restricted US States | CT, MA, NH, VT, WV, and IA | CA, CT, HI, LA, NV, ND, SD, TN, VT, WA, DC |
CA, TX, IL, OH, VA, WA, TN, +13 others |
| Supported Collateral | BTC | BTC | BTC, ETH, Solana |
| Custodian | BitGo | BitGo | Anchorage |
| Founded | 2015 | 2018 | 2022 |
3 Simple Steps to Unlock a
Crypto Backed Loan
Apply
Online
Complete a quick digital application to begin the process.
Review Terms & Secure
Your Collateral
If approved, review and confirm your loan terms, deposit your Bitcoin through our trusted custodian, and sign your loan agreement.
Get
Your Funds
Once verified, your loan is funded directly to your account, and your crypto stays protected in secure custody.
Why Choose LendingUSA's
CryptoLending?
Your Crypto Stays Yours
Your collateral is held in custody with BitGo Bank & Trust, National Association (BitGo) and managed in accordance with established custodial standards throughout your loan term, so you can maintain peace of mind while unlocking liquidity.
Fast Funding, Clear Terms
Apply in minutes. If approved, funding is available shortly after your collateral is verified. Choose repayment terms that fit your goals, with transparent pricing and no hidden fees.
No Hard Credit Check Required
Your eligibility is based on your crypto assets,
not your credit score. That means faster
approvals and no impact to your credit.
Flexible Use of Funds
Use your crypto-backed loan for almost anything. Cover large expenses, reinvest, or consolidate debt, all without selling your digital assets.
Unmatched Security & Transparency
Every loan is protected by industry-leading
custody solutions and monitored
continuously for safety. You'll always know
where your crypto is and how it's secured.
A Trusted Name in Financing
Join over 150,000 borrowers and 10,000+
businesses that rely on LendingUSA for fast,
transparent, and secure lending solutions. With
thousands of 5-star reviews, we're bringing our
proven lending experience to crypto.
What Our Customers
Are Saying About
LendingUSA
“Smooth, fast, and professional experience. I had a very positive experience with LendingUSA. Their team handled my request promptly, thoughtfully, and professionally. The process was clear, efficient, and well organized from start to finish. I truly appreciated the responsiveness and attention to detail. I would certainly recommend LendingUSA to anyone seeking a reliable, professional lending experience.”
“Getting a loan from LendingUSA was great! Literally everything was signed and approved within a few hours in one day! I was amazed, and my loan processor was excellent. I would highly recommend LendingUSA!!”
“Working with this company has been a great experience. The process was quick, and my loan coordinator was extremely kind and helpful. He answered all of my questions and helped me feel at ease. I definitely recommend this company.”
“The employees that contacted me were very professional, and they explained whatever I wanted to know. I would recommend your company to anyone and thank you for helping me.”
“My experience was very good and my representative was so helpful. LendingUSA gave me the chance I needed and took us through every detail and made sure we understood. Thank you all so much.”
“The customer service I received was excellent. The personnel were informative and took the time to explain everything in detail. They answered all my questions.”
“I’m just beginning my journey with LendingUSA, but so far it’s been a great company. The process was easy, and all reps were extremely friendly and helpful.”
“I am very pleased with this company and grateful for them. They took a huge amount off my shoulders, and I am looking forward to having them handle my case.”
Frequently Asked Questions
A crypto-backed loan lets you borrow cash while keeping ownership of your digital assets. Simply use your cryptocurrency (crypto) as collateral and receive funds in U.S. dollars once the loan is approved.
Your crypto collateral stays securely stored with BitGo Bank & Trust, National Association (BitGo), our regulated and insured custody partner, or with any other reputable or successor custodian that may be designated, for the duration of the loan. When your loan is repaid in full, your crypto collateral is released back to you. It’s a simple, flexible way to access liquidity without selling your crypto or potentially triggering taxable events.
Please note that your collateral could be sold in whole or in part if you do not comply with the terms of your loan, including maintaining adequate Loan-to-Value (LTV) collateralization. Please consult a tax advisor to learn of any tax implications regarding this type of transaction.
LendingUSA’s CryptoLending solution is designed for flexibility, speed, and simplicity.
- No minimum credit score required
- Fast funding, typically within 1 to 3 business days
- Keep your crypto while accessing the cash you need
- Transparent terms and no hidden fees
- Trusted custody with BitGo, a regulated and insured digital asset custodian or other reputable custodians
If the value of your crypto drops, your Loan-to-Value (LTV) increases. In that case, you may be asked to add more crypto collateral or pay down your debt to prevent liquidation of your crypto collateral. There will always be an attempt to notify you before any such action is required, however this is subject to market price volatility and fluctuations. If your crypto value rises, your LTV automatically decreases, giving you a stronger cushion and greater flexibility.
You can choose between Interest-Only or No Monthly Payment repayment types. They all offer flexibility and transparency. Please note that not all repayment types may be offered at all times.
- For Interest-Only loans, you make smaller monthly payments that approximately cover interest only, with your principal and any remaining interest due at the end of the term.
- For No Monthly Payment loans, you won’t make any monthly payments. The full loan amount, plus interest, is paid at the end of the term.
You can pay back your loan early at any time, with no penalties or fees. Once your loan is repaid, your crypto collateral is released back to your wallet.
Security is our top priority. LendingUSA protects your personal and financial information with Cloudflare, Sectigo SSL encryption, and PCI DSS compliant systems. Your crypto collateral is securely held with BitGo, a regulated, SOC 2 Type II certified custodian with up to $250 million in digital asset insurance, or with any other reputable or successor custodian that may be designated.
LTV represents the ratio of your loan balance to the value of your crypto collateral, expressed as a percentage.
It’s calculated as:
LTV = (Loan Balance ÷ Collateral Value) x 100
A higher LTV means you’re borrowing closer to the total value of your collateral, which increases risk and so your terms may be less favorable.
