Crypto Loan Refinance Calculator
See how much you could save by switching lenders.
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When refinancing a crypto loan pays off
Crypto borrow rates vary widely — we've seen identical collateral cost anywhere from under 3% on a DeFi market to nearly 17% at a CeFi desk. Because most crypto-backed loans are interest-only and open-ended, you usually aren't locked in: refinancing is often as simple as opening a cheaper loan, repaying the old one, and moving your collateral.
The savings can be substantial. On a $50,000 balance, shaving six percentage points off your rate frees up $3,000 a year— money that otherwise leaks out as interest. But cheaper isn't automatically better: weigh custody model, supported collateral, liquidation thresholds, and any exit or origination fees before you move.
We rank alternatives purely on published rates, lowest first. Treat the result as a shortlist, then read the full review of any lender before committing.
Frequently asked questions
How are the savings calculated?+
We multiply your outstanding loan balance by the difference between your current borrow rate and each alternative lender's published floor rate. At a $50,000 balance, dropping from 12% to 6% saves you $3,000 a year. Pick a remaining term to also see total savings over the loan's life.
Should I refinance my crypto loan?+
It usually makes sense when another lender's rate is meaningfully lower and you can move without large exit or origination fees. Because most crypto loans are interest-only and open-ended, switching is often just repaying one loan and opening another against the same collateral — but always weigh fees, custody differences, and supported assets first.
Do these rates include fees?+
No. We compare each platform's published floor APR. Origination fees, exit fees, and network costs vary by provider and aren't included, so treat the savings figure as a best-case estimate and confirm full terms before switching.
Are the rates current?+
We verify them periodically, but rates change frequently and depend on collateral, loan size, and jurisdiction. Always confirm the live rate on the provider's site before refinancing.