Crypto Loan Rate Index
Side-by-side current borrow rates, LTV ratios, and verification dates for every CeFi and DeFi crypto lending platform we cover. Each row is sourced directly from the platform's public rate page or on-chain protocol data — never from a third-party aggregator.
The short answer (2026-05-03)
As of , the lowest borrow APR among the CeFi platforms we track is 1.9% on Nexo, while the lowest DeFi rate is 2% on Aave. Maximum loan-to-value ratios range from 50% (Ledn) to 97% (YouHodler). CeFi rates are manually reviewed each Monday against the platform's public rate page; DeFi rates reflect protocol parameters as of the same date and shift with on-chain utilization.
CeFi platforms
Centralized lenders. Rates are typically fixed or tiered; LTV ratios and minimums often depend on collateral asset and borrower jurisdiction. Figures below capture the headline rate range as advertised on each platform's public rate page on the verification date.
| Provider | Borrow APR | Max LTV | Collateral | Last verified | Source |
|---|---|---|---|---|---|
| Nexo | 1.9–13.9% | 80% | BTC, ETH, SOL, +7 | nexo.com | |
| YouHodler | 3–26% | 97% | BTC, ETH, SOL, +7 | youhodler.com | |
| Firefish | 5–13% | 50% | BTC | firefish.io | |
| Ledn | 9.99–11.49% | 50% | BTC | ledn.io | |
| CoinRabbit | 12–17% | 70% | BTC, ETH, SOL, +7 | stale | coinrabbit.com |
| Unchained Capital | 14–16.21% | 50% | BTC | unchained.com |
DeFi protocols
Decentralized lending protocols. Rates are variable and update with on-chain utilization — figures below show the typical range observed on the verification date. For real-time numbers, follow the source link to each protocol's own dashboard.
| Protocol | Borrow APR | Max LTV | Collateral | Last verified | Source |
|---|---|---|---|---|---|
| Aave | 2–15% | 82.5% | ETH, WBTC, WSTETH, +5 | app.aave.com | |
| Compound | 2–12% | 83% | ETH, WBTC, COMP, +2 | app.compound.finance | |
| MakerDAO (Sky) | 7–13.5% | 77% | ETH, WBTC, WSTETH | app.sky.money |
How to cite this index
If you reference a number from this page in your own work, please include the verification date and a link back. Example:
"As of 2026-05-03, Aave's borrow APR ranged from 2–15% (BCL Rate Index)."
See the methodology page for sourcing details, refresh cadence, and known limitations. If you spot a stale or incorrect figure, email hello@bestcryptoloans.org — we'd rather correct it than defend it.