All Crypto Loan Providers
8 platforms reviewed with honest ratings and real data. Updated February 2026.
CeFi Platforms (5)
Centralized platforms with customer support, insurance, and fiat payouts. KYC typically required.
Ledn
CEFI Top Pick
Regulated BTC-backed loans with proof-of-reserves
Rate 12.4% – 13.9%
Max LTV 50%
KYC Required
Rating
BTC
Nexo
CEFI Top Pick
60+ collateral options with instant credit lines
Rate 2.9% – 13.9%
Max LTV 80%
KYC Required
Rating
BTCETHSOLXRPMATIC +5
CoinRabbit
CEFI Top Pick
No-KYC instant crypto loans with 70+ collateral options
Rate 12% – 17%
Max LTV 70%
KYC None
Rating
BTCETHSOLDOGEXRP +5
Unchained Capital
CEFI
Multisig BTC loans — you hold your keys
Rate 14% – 16%
Max LTV 40%
KYC Required
Rating
BTC
YouHodler
CEFI Top Pick
Ultra-high LTV loans (up to 97%) with 50+ assets
Rate 3% – 26%
Max LTV 97%
KYC Required
Rating
BTCETHSOLXRPADA +5
DeFi Protocols (3)
Decentralized protocols with no KYC, self-custody, and permissionless borrowing. Requires Web3 wallet.
Aave
DEFI Top Pick
Largest DeFi lending protocol — $15B+ TVL, multi-chain
Rate 2% – 15%
Max LTV 82.5%
KYC None
Rating
ETHWBTCWSTETHUSDCLINK +3
Compound
DEFI
Pioneer DeFi protocol with algorithmic rates
Rate 2% – 12%
Max LTV 83%
KYC None
Rating
ETHWBTCCOMPUNILINK
MakerDAO (Sky)
DEFI
Mint stablecoins against crypto collateral via Vaults
Rate 4% – 8%
Max LTV 77%
KYC None
Rating
ETHWBTCWSTETH