Get A Bitcoin Backed Loan

Get a cryptocurrency-backed loan to fund your investments or pay your expenses

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Why borrow with Unchained?

At Unchained Capital, we build products that make cryptocurrencies the most useful assets in the world. Our simple platform and live support can help you apply for a loan and get approved within one business day. Sign up and get a crypto-backed loan today!


No token or membership plan


No hard credit checks


No rehypothecation


Multisignature custody


Same day funding

Access liquidity without selling your Bitcoin

Our customers borrow for everything from buying real estate to making a tax payment

Custody is king

Security is the #1 factor you should consider when taking a crypto-backed loan. At Unchained Capital, we store our customers' digital assets in dedicated addresses from our multisignature, cold storage wallet. That means no single-signature, no exchanges, and no 3rd parties are used.

A fast and easy loan process

Loans up to $1,000,000 approved within the same business day.

Step 1

Complete Loan Application

Fill out a secure application that only takes minutes to complete

Step 2

Sign your contract online

Once your profile is approved, you can apply for your loan. Interest rates may vary by state.

Step 3

Receive funds & monitor your collateral

You'll be allocated a unique address on the blockchain to monitor your collateral during the loan term.

Sign Up Today

Multi-Institution custody available for loans

Three independent key holders collaborate to protect collateral

‣ Collateral is stored in multisignature addresses requiring 2-of-3 keys to spend

‣ These keys are held by you - the borrower, Unchained, and a third party key agent

‣ No one person or organization is a single point of failure

Learn More

Crypto-secured loans FAQ

At Unchained Capital we pride ourselves on being transparent and delivering excellent customer service to individuals and businesses borrowing against their bitcoin.

Unchained Interest Rates & Fees

Term Interest Rate Origination Fee Annual Percentage
Rate (APR)
3-month 9.00% 0.50% 10.91%
6-month 10.00% 0.75% 11.41%
1-year 11.00% 1.00% 11.92%
2-year 12.50% 1.00% 12.90%
3-year + 14.00% 1.00% 14.22%

Interest rates and fees apply to loans at 50% loan-to-value (LTV). Actual loan terms (including interest rates, origination fees, and APRs) may vary by state and loan amount.

Example loan terms: a $10,000 loan with a term of one year at an 11.00% interest rate and with a 1% origination fee would have monthly interest payments of $90.41, for a total cost of $1,184.93, with a one-time payment of $10,000 due at maturity of the loan, equating to a 11.92% APR.

Loan terms that make sense.

Term Length

3-60 Months

Loan-to-Value Ratios


U.S. Loan Minimum


International Loan Minimum


Actual loans terms, including the interest rates and origination fees, will vary by state.


Unchained is UNcomplicated, refreshingly simple. Top-notch customer service. Super-cold storage. Unchained conveniently facilitates the efficient use of (otherwise idle), signficiant resources (tax-favorably, in my case). A very good alternative. Truly fantastic.

- Personal Loan Customer from Arizona


Thank you very much for your timely and precise answers. I really like your professionalism and customer service. I'm impressed.

- Personal Loan Customer from Florida

Put your crypto to work

Apply for a crypto-secured loan in minutes.