Best 70% LTV crypto loans
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 70% LTV loan means borrowing $70 for every $100 of collateral you post. 6 platforms in our index let you borrow at 70% LTV or below, with rates starting at 2.70% APR.
Platforms that support borrowing at 70% LTV or below, ranked by borrow rate.
| Platform | Borrow APR | Max LTV | KYC | Custody | Apply |
|---|---|---|---|---|---|
CompoundDeFi | 2.7–6% | 83% | No KYC | Self-custody | Apply |
AaveDeFi | 4–8% | 80% | No KYC | Self-custody | Apply |
MorphoDeFi | 4–9% | 86% | No KYC | Self-custody | Apply |
MakerDAO (Sky)DeFi | 5–9% | 80% | No KYC | Self-custody | Apply |
YouHodlerCeFi | 5.9–12% | 90% | Required | Third-party | Apply |
CoinRabbitCeFi | 11.95–16.8% | 90% | No KYC | Third-party | Apply |
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Why borrow at 70% LTV?
A 70% loan-to-value ratio is a moderate-to-aggressive setting, available mainly on DeFi protocols and a few high-LTV CeFi lenders. It frees up substantially more liquidity per coin, but the safety margin is thinner: a sharp, fast drawdown can push you toward liquidation with less room to react. It is best reserved for less volatile, blue-chip collateral and for borrowers who actively monitor and can top up quickly.
Your liquidation buffer at 70% LTV
Here is what a 70% LTV loan looks like in practice. Post $10,000 of collateral and you can borrow up to $7,000. Your collateral would have to fall by roughly 30% — to $7,000 — 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 70% LTV loan
Frequently asked questions
- What does 70% LTV mean?
- A 70% loan-to-value ratio means your loan is 70% of your collateral's value — you borrow $70 for every $100 of crypto you post as security. The remaining 30% is your buffer against a falling market.
- How many platforms offer 70% LTV crypto loans?
- We track 6 platforms that allow borrowing at 70% 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 70% LTV loan safe?
- A 70% loan-to-value ratio is a moderate-to-aggressive setting, available mainly on DeFi protocols and a few high-LTV CeFi lenders. No loan is risk-free — liquidation is always possible if collateral falls far enough — but a 70% LTV gives roughly a 30% cushion before your debt meets your collateral's value.
- How far can my collateral fall at 70% LTV?
- As a rule of thumb, about 30% 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.
Related
- What is liquidation?How liquidation works and how to avoid it.
- Crypto loan calculatorFind your exact liquidation price at any LTV.
- Best 50% LTV crypto loansPlatforms and the safety margin at 50% loan-to-value.
- Best 60% LTV crypto loansPlatforms and the safety margin at 60% loan-to-value.
- Best 80% LTV crypto loansPlatforms and the safety margin at 80% loan-to-value.