Crypto Loan Calculator

Estimate your monthly payments, total interest cost, required collateral, and liquidation price. Adjust the inputs below to see results instantly.

Loan Details

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Loan Summary

Monthly Payment $0
Total Interest $0
Total Repayment $0
Daily Interest Cost $0

Collateral Requirements

Required Collateral $0
Collateral Amount 0 BTC
Liquidation Price $0
Price Drop to Liquidation 0%

Platform Comparison for This Loan

Estimated total cost for a $10,000 loan over 12 months:

Ledn 12.4% – 13.9%
Nexo 2.9% – 13.9%
CoinRabbit 12% – 17%
Unchained Capital 14% – 16%
YouHodler 3% – 26%

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. Here's how it breaks down:

Monthly Payment = (Loan Amount × Annual Rate ÷ 12) + (Loan Amount ÷ Term in Months)

Total Interest = Loan Amount × Annual Rate × (Term in Months ÷ 12)

Required Collateral = Loan Amount ÷ LTV Ratio

Liquidation Price = (Loan Amount ÷ Collateral Amount) × (Liquidation LTV ÷ 100)

Note: Some platforms use compound interest (daily or monthly), which slightly increases total costs. Open-ended loans like those from 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) is the most important metric in crypto lending. It determines how much you can borrow and how close you are to liquidation. A lower LTV means more safety margin but less borrowing power.

0–50% Safe Zone Plenty of buffer. Recommended for volatile assets.
50–70% Moderate Common for stablecoins or blue-chip crypto.
70–85% High Risk Small price drops can trigger liquidation.
85%+ Danger Zone Extremely likely to be liquidated. Avoid.

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.