Compare crypto loan rates. Find the lowest cost for your collateral.
Real-time rates from 10+ CeFi and DeFi lending platforms. Independent. Data-verified.
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From comparison to borrowed funds in three steps — no guesswork.
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We track borrow APRs, max LTV, custody model, and KYC across CeFi and DeFi in one table — updated and verified.
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Lower rate, higher LTV, or self-custody? Filter and sort to find the platform that fits how much risk you're willing to take.
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Model your loan with the calculator, then apply directly. We tell you the liquidation price before you commit.
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Frequently asked questions
What is the lowest crypto loan rate in 2026?+
The lowest rates come from DeFi money markets like Compound and Aave (stablecoin borrow APRs from roughly 2.7–8%) and high-tier CeFi credit lines like Nexo (from about 2.9% at low LTV). DeFi rates are variable and CeFi's lowest rates usually require a high loyalty tier or low loan-to-value.
Are crypto loans safe?+
Crypto loans carry real risk: liquidation if your collateral falls in value, smart-contract risk on DeFi protocols, and counterparty risk on custodial CeFi platforms. Borrowing at a low LTV, using audited or proof-of-reserves-backed platforms, and monitoring your position reduces — but never eliminates — that risk.
Do I need KYC to borrow against crypto?+
Not always. DeFi protocols like Aave and Compound are permissionless and require no KYC. Most CeFi lenders (Nexo, Ledn, Unchained) require identity verification, though a few custodial platforms such as CoinRabbit offer no-KYC loans.
How does crypto.loans make money?+
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