Instantly estimate your borrowing power. Get liquidity for life's big moments without selling your Bitcoin. Our 2026 proprietary algorithm calculates LTV ratios, interest rates, and collateral requirements in real-time.
Adjust the parameters below to see how your Bitcoin collateral can provide immediate USD or Stablecoin liquidity.
Required Collateral
Based on your LTV choice, this is the minimum amount of BTC you must deposit to secure the loan.
Estimated Interest Rate (APR)
Rates are based on current 2026 market benchmarks and your chosen LTV ratio.
Monthly Payment
Total Repayment
Our partners offer instant approval for these terms. Check out the latest detailed reviews to find the best match for your needs.
Disclaimer: This calculator is for informational purposes only. The figures generated are estimates based on market data as of 2026 and do not constitute a formal loan offer. Actual interest rates, LTV requirements, and collateral terms will vary by lender. Cryptocurrency investments involve significant risk. Always consult with a financial advisor before making borrowing decisions. See our Security Guide for more information on safe lending practices.
In the landscape of 2026 finance, Bitcoin is no longer just a speculative asset; it is the ultimate "pristine collateral." Whether you are an individual looking to fund a property purchase or a business seeking working capital, understanding the mechanics of your loan is paramount. A Bitcoin loan calculator is your first line of defense against market volatility and poor financial planning.
By using this tool, you can visualize the direct relationship between your chosen Loan-to-Value (LTV) ratio and the cost of your capital. For instance, lower LTVs (e.g., 20% to 33%) often result in significantly lower interest rates and provide a larger "cushion" against Bitcoin price drops. Conversely, higher LTVs provide more immediate liquidity but require much tighter management of your collateral position to avoid a margin call.
For a deep dive into how these rates are calculated across the industry, visit our comprehensive guide on Comparing Interest Rates and Loan Terms.
Discover the benefits of the modern HODLer's financial strategy.
Selling your Bitcoin triggers capital gains taxes in almost every jurisdiction. By taking a loan instead, you receive liquidity without selling your asset, which typically does not trigger a taxable event. Keep your BTC and get the cash you need.
Your Bitcoin is your credit score. Lenders don't need to look at your past; they only need to see your collateral. Ideal for entrepreneurs and those with non-traditional income.
If Bitcoin doubles in value while you have your loan, you benefit from that appreciation. Once you pay back the loan, you get your original amount of BTC back.
In 2026, security is no longer a question. Leading providers use cold storage and multi-signature technology with top-tier custodians. Your assets are protected by multiple layers of physical and digital security.
From calculation to funding in under 24 hours.
Use our calculator above to determine your LTV and collateral needs based on current 2026 rates.
Choose from our verified reviews to find the best provider for your region.
Transfer your BTC to the secure custodian address provided by your chosen platform.
Get your USD, EUR, or Stablecoins sent directly to your bank or wallet within hours.
Our experts have put together a detailed walkthrough. We guide you through the KYC process, security setups, and funding steps to ensure a smooth experience.
Read the Step-by-Step Application GuideUse your Bitcoin to provide the down payment for a home without liquidating your crypto portfolio. In 2026, many banks now recognize crypto-backed liquidity for mortgage approvals.
Paying high interest on credit cards? A Bitcoin loan often provides lower APRs, allowing you to pay off expensive debt and save thousands in interest payments.
Crypto-native companies often use their treasury Bitcoin to fund payroll or equipment during expansion phases, maintaining their long-term exposure to the asset.
While our calculator is built for 2026 market dynamics, we encourage you to verify terms across multiple reputable sources.
Explore more on our comparison page.
It depends on the current BTC price and your chosen LTV. For example, if Bitcoin is at $100,000 and you want a 50% LTV, you would need to pledge 2 BTC as collateral. With a more conservative 25% LTV, you would need 4 BTC. Use the calculator above for exact real-time figures.
This is known as a margin call. If the value of your collateral falls and the LTV rises above a certain threshold (usually 70-80%), the lender will ask you to either add more BTC or pay back part of the loan. If you do nothing and it hits the liquidation price, the lender may sell your BTC to cover the loan. Read more on Safety and Security.
Most modern lenders in 2026 allow early repayment without penalty. Some may have a minimum interest period (e.g., 3 months). We always recommend checking individual terms in our Lender Reviews section.
Yes, by 2026, most major crypto lenders operate under strict financial regulations in their respective jurisdictions (e.g., VASP in the EU, or state-specific lending licenses in the US). We only list providers who adhere to high compliance standards.
Absolutely. While Bitcoin is the most common, assets like Ethereum (ETH), Solana (SOL), and major stablecoins (USDC, USDT) are widely accepted as collateral, though they may have different LTV requirements.
Don't let your assets sit idle. Leverage your Bitcoin to build, grow, and live. Join thousands of investors who use our tools to make informed lending decisions.