Access dollars without selling your Bitcoin
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Bitcoin loan calculator
The information shown on the calculator is hypothetical and for illustrative purposes only and does not represent a commitment to lend. Ledn Loans availability may vary based on location. Read our Risk Disclosure & Disclaimers Statement for more information.
How a Bitcoin-backed loan works
Loans are denominated in US dollars, but can be funded in your preferred currency.
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When you have a question, a person answers it
Your Bitcoin Loan questions answered
You’ll need at least $1,000 in Bitcoin collateral to qualify.
Absolutely. Repay anytime before the 12-month term ends with no penalties.
No monthly payments. From January 1, 2027, accrued interest and applicable fees must be paid in full at maturity or when you refinance before maturity. This applies to existing loans. Eligible remaining principal can roll into a new term once accrued fees are settled and LTV is below 65%.
50%
The collateral you post to secure your loan may only be re-posted by Ledn to a trusted institutional USD funding partner, such as a bank, credit fund or other corporate funding partner.
Collateral is held securely in segregated on-chain addresses that are verifiable by Ledn, ensuring that the collateral is legally ring-fenced from a funding partner’s assets and protected even in the unlikely bankruptcy of our funding partner.
Collateral is held securely in custody throughout the loan. Neither Ledn nor the institutional partner has the right to lend out your collateral to generate interest.
You can see which products are available to you at https://help.ledn.io/hc/en-us/p/eligibility.
Loans are funded in USD, USDC, or your local currency, but are denominated in USD.
Log into ledn.io, select your type of loan from the top menu, then click "Apply for a loan".