Personal Loans

Fund a major purchase. Pay off unexpected expenses. Consolidate debt. Put your Bitcoin or Ethereum to work without selling.

Personal loans that fit your needs.

Whether it’s to cover a major expense or to make an investment, Unchained can help.

Debt Consolidation

Consolidate multiple credit card bills into one payment.

Home Improvement

Remodel or renovate your home without refinancing.


Take control and pay off unexpected expenses.


Get liquidity from your Bitcoin or Ethereum in order to make an investment.

Avoid Tax Events

An Unchained loan can help you avoid unwanted tax events.

Large Purchases

Avoid selling your cryptocurrency in order to make a large purchase.

Unchained Capital logo

Fixed rate loans between $10,000 and $1,000,000*


12-18% APR Inclusive of all interest & fees.


3-60 months Option to renew.


50% Borrow $1 for every $2 you deposit as collateral.

Example terms: A $10,000 loan for 2 years costs $2,500 with $100 in monthly interest payments and one payment of $10,000 due at maturity with an Annual Percentage Rate (APR) of 12.63%.

Fast Application. Fast Process.

Apply for a decision in 24 hours.

Complete Loan Application

We’ll send you a secure application. It takes just a few minutes to complete.

Sign Your Contract Online

Once approved, we’ll send you a contract, which you sign online. Then, you’ll receive instructions on where to securely send your cryptocurrency to back the loan.

Funds As Soon As Tomorrow

Money can be directly deposited into your bank account as soon as the next business day.

To complete the application, you'll need:

  • Full Name
  • Address
  • Social Security Number
  • Driver's license
  • Financial summary
  • Bank account details
Start your application Unchain your cryptocurrency and apply for a loan now.

Unchained Capital currently offers crypto-secured loans using Bitcoin or Ethereum as collateral. Additional coins and tokens are being evaluated for utilization as collateral. Please send an e-mail to for specific collateral requests!

To determine loan-to-value ratios and collateralization for Bitcoin, Unchained Capital references the CME CF Bitcoin Real Time Index, a spot price index with independent oversight and data fed by trading platforms such as Bitstamp, GDAX, itBit and Kraken.

To determine loan-to-value ratios and collateralization for Ethereum, Unchained Capital references the Gemini ETHUSD rate which is determined by the buyers and sellers on the exchange.

Loan durations from 3 months - 60 months are available for application.

Interest rates vary by location, loan size, and other parameters. Rates typically range from 12-18% Annual Percentage Rate (APR).

We lend at a 50% loan-to-value ratio. Customers may borrow $1 for every $2 of collateral deposited.

The minimum loan amount is $10k for domestic loans and $100k for international loans. Requirements on minimum size, interest rates, and other details do differ between states.

No. Loan principal and accrued interest can be paid down at any time without penalty.

An email notification will be sent out to alert borrowers of a price decrease. To bring a loan back to the original loan-to-value ratio, a borrower may: 1) Deposit additional collateral or 2) Submit a principal payment in USD

Partial returns of collateral are available upon request once the collateral:principal ratio exceeds 250% (equivalent to 40% loan-to-value). We will only honor requests if it has been at least 30 days since the start of the loan or the last margin call.

The loan agreement is structured as a Term Loan. Initial loan funding will be for the entire loan amount. Interest only payments will be due monthly with a final lump sum payment due at the end of the term. Additional principal payments can be made at any time during the loan without penalty.

Yes. Unchained Capital operates internationally depending on the jurisdiction. Support for international borrowers is limited to loans with a commercial purpose and a $100k USD minimum loan amount.

The profile information we collect is in the service of our Know Your Customer (KYC) and Anti-Money Laundering (AML) policies. Personal loan profile details include name, birth date, address, SSN, photo ID, and source of funds. Business loan profile details include legal name, address, EIN, Articles of Incorporation, Certificate of Good Standing, proof of address, plus details on principals and large shareholders.

You must live in a jurisdiction in which Unchained can make personal loans.

You must complete our KYC/AML program when you apply for an account.

You must deposit the appropriate collateral amount into your loan’s vault address.

Unchained Capital makes personal loans in most US states. Requirements on minimum size, interest rates, and other details do differ between states so reach out to understand whether we can work with you.

We are constantly expanding our reach and hope to work with borrowers across the country soon. Personal loans are currently **not** available in the following states:

  • Alabama
  • Arkansas
  • Hawaii
  • Idaho
  • Indiana
  • Louisiana
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nevada
  • New York
  • North Dakota
  • Ohio
  • South Dakota
  • Tennessee
  • Vermont
  • Washington
  • West Virginia
  • No. Unchained Capital does not perform a credit check when evaluating borrowers. We do not report information to any credit bureau. We may conduct an eligibility inquiry (known as a “soft credit pull”). This inquiry does not affect your credit score.

    Once approved, we will generate an address in our cold storage vault dedicated to your loan. You will send your collateral to this address.

    Funds will remain in this address for the duration of your loan. You will be able to monitor the balance at any time using our website or any other block explorer you wish.

    For maintenance reasons, we may move the funds from the original vault address to another vault address. You will be notified in advance in such a scenario.

    We do not leverage your collateral for other products or services (no fractional-reserve lending).

    When you close your loan and repay your principal, your collateral will be returned to an address of your choosing.

    If your loan enters default at any time, we will be forced to liquidate a portion of your collateral in order to cover our principal cost and any unpaid interest. Any remainder will be returned to an address of your choosing.

    We maintain a multisig cold wallet backed by hardware wallets. These hardware wallets are PIN/password protected and operated by authorized signing staff in multiple US cities.

    Vault addresses we provision from our multisig cold wallet are single-purpose and dedicated to each customer loan.

    At no point does customer collateral reside in a network-connected (hot) wallet of any kind.

    Unchained Capital does not automate withdrawals of collateral. All transactions require intervention and coordination of multiple executives and authorized signing staff.

    Go Unchained.

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