crypto.loans

Best 60% LTV crypto loans

What are the best 60% LTV crypto loans?
6 platforms we track offer loans at 60% LTV or better, from 2.70% APR. A lower LTV means you post more collateral but gain a much larger buffer — roughly 40% — before liquidation risk becomes serious.

Loan-to-value (LTV) is the single most important risk dial on a crypto loan: it is the size of your loan as a percentage of your collateral's value. A 60% LTV loan means borrowing $60 for every $100 of collateral you post. 6 platforms in our index let you borrow at 60% LTV or below, with rates starting at 2.70% APR.

Platforms that support borrowing at 60% LTV or below, ranked by borrow rate.

Borrow APR
2.7–6%
Max LTV
83%
KYC
No KYC
Custody
Self-custody
AaveDeFi
Borrow APR
4–8%
Max LTV
80%
KYC
No KYC
Custody
Self-custody
MorphoDeFi
Borrow APR
4–9%
Max LTV
86%
KYC
No KYC
Custody
Self-custody
Borrow APR
5–9%
Max LTV
80%
KYC
No KYC
Custody
Self-custody
Borrow APR
5.9–12%
Max LTV
90%
KYC
Required
Custody
Third-party
Borrow APR
11.95–16.8%
Max LTV
90%
KYC
No KYC
Custody
Third-party

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Why borrow at 60% LTV?

A 60% loan-to-value ratio is a measured middle ground — more liquidity than a 50% loan, but still a meaningful buffer against a falling market. It suits borrowers who want a bit more capital efficiency without moving into territory where an ordinary correction could threaten the position. At this level a roughly 40% collateral drawdown is the order of magnitude before your debt meets your collateral value, though liquidation triggers earlier.

Your liquidation buffer at 60% LTV

Here is what a 60% LTV loan looks like in practice. Post $10,000 of collateral and you can borrow up to $6,000. Your collateral would have to fall by roughly 40% — to $6,000 — before your debt equalled its value. In reality, platforms liquidate before that point, at their liquidation threshold, so the usable buffer is a little smaller. But the relationship is the key intuition: the lower your LTV, the more your collateral can fall before liquidation becomes a danger.

That is why choosing an LTV is really choosing how much volatility you can absorb. Borrow at the maximum and a single bad day can wipe out your margin; borrow well below it and you trade some liquidity for the ability to ride out a drawdown. Our loan calculator lets you plug in your own collateral and see the exact liquidation price at any LTV.

Top platforms for a 60% LTV loan

Frequently asked questions

What does 60% LTV mean?
A 60% loan-to-value ratio means your loan is 60% of your collateral's value — you borrow $60 for every $100 of crypto you post as security. The remaining 40% is your buffer against a falling market.
How many platforms offer 60% LTV crypto loans?
We track 6 platforms that allow borrowing at 60% LTV or below, with borrow rates from 2.70% APR. You can always borrow below a platform's maximum LTV to stay more conservative.
Is a 60% LTV loan safe?
A 60% loan-to-value ratio is a measured middle ground — more liquidity than a 50% loan, but still a meaningful buffer against a falling market. No loan is risk-free — liquidation is always possible if collateral falls far enough — but a 60% LTV gives roughly a 40% cushion before your debt meets your collateral's value.
How far can my collateral fall at 60% LTV?
As a rule of thumb, about 40% before your debt equals your collateral's value — but platforms liquidate at their threshold before that, so keep an extra margin. Use our loan calculator to find the precise liquidation price for your position.

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