Don't sell your bitcoin.
Get a bitcoin-backed loan.
Access USD, your local currency or USDC with a Ledn loan. Open an account and access cash the same day, no credit checks required.
Bitcoin-Backed Loans, Done Right.
Ledn provides a secure and transparent way to access liquidity while maintaining your bitcoin holdings. Here’s why bitcoin holders around the world trust Ledn:
How bitcoin-backed loans work with Ledn
Submit your loan application
Deposit your BTC
Receive your funds
Fund your account
Place your order
Manage your loan
Control Your Loan, Control Your Bitcoin
With Custodied loans, collateral is not lent out to generate interest.
No monthly payments. No payments until you close your loan.
Repay whenever you want, without penalty.
Loan terms are 12 months. Renew as long as your LTV is healthy.
Top up, repay or use auto-top up to manage your LTV when BTC price is down.
Redeem collateral when your LTV is healthy.
Bitcoin loan calculator
Bitcoin-backed loans are denominated in US dollars. However, they can be funded in your preferred currency, including USDC.
50%
Starting at 12.4%
Collateral is held in custody with Ledn or our funding partner.
Get the lowest interest rate available with Ledn.
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 jurisdiction. Read our Risk Disclosure Statement and Disclaimers for more information.
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Ledn's Founding Story
What started as a passion project with a few close colleagues has grown to a global company with 50+ employees, offering a full suite of lending, savings and trading products in over 120 countries. Ledn strives to improve the everyday lives of Bitcoin holders today, while building generational wealth for the future. Through its products & services, Ledn makes a difference in the lives and futures of its clients - in real terms.
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.
There’s no repayment schedule. You repay your loan when it reaches the end of its term, or earlier if you choose.
50%
Standard loans offer the lowest rates by lending collateral, with full transparency in our Open Book Report. Custodied loans keep collateral in custody, avoiding rehypothecation credit risk, with slightly higher APRs.
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".
Minutes to apply. Once approved, funding can happen same-day.
We’ll notify you well before any risks. You can add collateral or repay — you stay in control.
Nope. Your bitcoin is your credit.
You can see which products are available to you at https://help.ledn.io/hc/en-us/p/eligibility.
Ready to Unlock Your Bitcoin’s Potential?
This content is being provided to you for informational purposes only and does not constitute legal, financial, investment, or tax advice nor a recommendation by Ledn to buy, sell, or hold any digital asset or product referenced in the content. Terms, conditions, and restrictions depending on your jurisdiction of residence apply to each product you choose to take out. For more information, please visit ledn.io/legal/disclaimers
*Once collateral is received