Crypto Loan Calculator
Estimate payments, required collateral, and liquidation risk with live prices. Simulate price drops and find the best platform for your loan.
Loan Parameters
Loan Summary
Collateral
Liquidation Simulator
Drag to see what happens if BTC drops in price
Platform Match
Platforms that fit your loan parameters
How Crypto Loan Interest Works
Most crypto lending platforms charge simple annual interest on your outstanding loan balance. Your rate depends on the platform, your loyalty tier, and sometimes the collateral type.
Total Interest = Principal × Rate × Time Total = Principal × (1 + Rate/12)months Collateral = Loan Amount ÷ LTV Ratio Liq. Price = Loan / (Collateral Qty × Liq. Threshold) Some platforms use compound interest (daily or monthly), which increases total costs. Open-ended loans from platforms like Nexo or CoinRabbit have no fixed term — you pay interest only on what you've borrowed and repay whenever you want.
Understanding LTV and Liquidation Risk
LTV (Loan-to-Value) determines how much you can borrow and how close you are to liquidation. Lower LTV = more safety margin but less borrowing power.
Frequently Asked Questions
How is crypto loan interest calculated?
Most crypto lending platforms charge simple annual interest on the outstanding loan balance. For example, a $10,000 loan at 8% APR costs $800 per year or about $66.67 per month. Some platforms compound interest daily or monthly, which slightly increases the total cost.
What is LTV in crypto lending?
LTV (Loan-to-Value) is the ratio of your loan amount to your collateral value. For example, if you deposit $20,000 in Bitcoin and borrow $10,000, your LTV is 50%. Most platforms allow 50-80% LTV. Higher LTV means more borrowing power but higher liquidation risk.
What happens if my crypto collateral drops in value?
If your collateral value drops and your LTV exceeds the platform's liquidation threshold (typically 75-90%), the platform will automatically sell some or all of your collateral to repay the loan. You can avoid liquidation by adding more collateral or repaying part of the loan.
How much collateral do I need for a crypto loan?
The collateral required depends on the LTV ratio. At 50% LTV, you need $2 in collateral for every $1 borrowed. At 80% LTV, you need $1.25 per $1. Use the calculator above to determine exact collateral requirements for your loan amount.