INSTANT CRYPTO CREDIT LINES

Get Funds Instantly. Keep Your Crypto.

Borrow without selling your crypto with rates as low as 0%. Just top up and your credit line is immediately available.

Why Use Nexo's Credit Lines

Get as much or as little as you want, whenever you want with the most flexible crypto credit line out there.

Instant Approval
You are approved within seconds and you get the funds within 24 hours in most cases.
Multiple Currencies
Select between EUR, USD, or GBP or borrow in stablecoins using USDT or USDC.
Backed by Multiple Assets
Borrow against not just one cryptocurrency, but your whole digital asset portfolio.
No Installments
Pay off your balance partially or fully when you want with no fixed payment schedule.
Easy Repayment
Choose between fiat, crypto, or a combination of both to repay your credit line.
Linked to Your Nexo Card
Spend your credit line at over 100 million merchants with the Nexo Card.

$8B+ Issued in credit
since 2018

7М+ Nexo users
worldwide

70+ Currencies
to borrow against

200+ Available
jurisdictions

Borrow at Just 0% Interest

Join our Loyalty Program and get funds at no cost! Just enable our Low-Interest Borrowing feature to automatically keep your LTV ratio below 20% and enjoy our best rates.

Borrow stablecoins and fiat from just 0% APR

Not a Conventional Loan. But a Smart Credit Line.

Instant Crypto
Credit Lines
Conventional
Loans
Opportunity to grow
your portfolio
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Lower interest rates
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No origination fees
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Tax-efficiency
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Instant approval
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No paperwork to fill
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No monthly repayments
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No impact on credit score
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See How Much You Can Borrow

Enter the amount you’d like to borrow to find out how much collateral is required.

How to Get Started

It’s the best experience you’ve ever had with obtaining funds. All you have to do is:

Cover Your Daily Expenses

Thanks to its direct link to your credit line, the free Nexo Card is great for quick spending on everyday purchases.

Learn More

Borrow Against 70+ Assets

A variety of digital assets can be used as collateral to secure your Instant Crypto Credit Line.

NEXO Token

NEXO

15% LTV

Ethereum

ETH

50% LTV

Bitcoin

BTC

50% LTV

Pax Dollar

USDP

90% LTV

DAI

DAI

90% LTV

USD Coin

USDC

90% LTV

USDT

USDT

90% LTV

PAX Gold

PAXG

70% LTV

Optimism

OP

33% LTV

Axie Infinity

AXS

33% LTV

Polygon

MATIC

33% LTV

Fantom

FTM

33% LTV

THORChain

RUNE

33% LTV

NEAR Protocol

NEAR

33% LTV

Cosmos

ATOM

33% LTV

Kusama

KSM

33% LTV

Avalanche

AVAX

33% LTV

Pendle

PENDLE

30% LTV

Shiba Inu

SHIB

30% LTV

Wormhole

W

30% LTV

Ethena

ENA

30% LTV

SEI

SEI

30% LTV

SUI

SUI

30% LTV

Injective

INJ

30% LTV

The Graph

GRT

30% LTV

Pancake Swap

CAKE

30% LTV

Enjin Coin

ENJ

30% LTV

Basic Attention Token

BAT

30% LTV

Algorand

ALGO

30% LTV

Hedera

HBAR

30% LTV

Worldcoin

WLD

30% LTV

yearn.finance

YFI

30% LTV

Kyber Network

KNC

30% LTV

Balancer

BAL

30% LTV

Osmosis

OSMO

30% LTV

Synthetix

SNX

30% LTV

Convex Finance

CVX

30% LTV

Compound

COMP

30% LTV

STEPN

GMT

30% LTV

Frax Share

FXS

30% LTV

Ethereum Name Service

ENS

30% LTV

1inch Network

1INCH

30% LTV

Chiliz

CHZ

30% LTV

Maker

MKR

30% LTV

Lido DAO

LDO

30% LTV

Curve DAO

CRV

30% LTV

dYdX

DYDX

30% LTV

SushiSwap

SUSHI

30% LTV

The Sandbox

SAND

30% LTV

Decentraland

MANA

30% LTV

Uniswap

UNI

30% LTV

Dogecoin

DOGE

30% LTV

Aave

AAVE

30% LTV

Arbitrum

ARB

30% LTV

Chainlink

LINK

30% LTV

EOS

EOS

30% LTV

Stellar

XLM

30% LTV

Bitcoin Cash

BCH

30% LTV

Litecoin

LTC

30% LTV

GMX

GMX

30% LTV

Cardano

ADA

30% LTV

Celestia

TIA

30% LTV

Solana

SOL

30% LTV

BNB

BNB

30% LTV

Polkadot

DOT

30% LTV

XRP

XRP

30% LTV

Gala

GALA

25% LTV

ApeCoin

APE

25% LTV

ONDO

ONDO

15% LTV

Aptos

APT

15% LTV

Sweat Economy

SWEAT

10% LTV

Terra

LUNA2

0.01% LTV

TrueUSD

TUSD

0.01% LTV

Huobi Token

HT

0.01% LTV

Tron

TRX

0.01% LTV

Get Stablecoins or Fiat Currencies

Stablecoins are received instantly to your Nexo account and local fiat transfers take up to 1 business day.

US Dollar

USD

Borrow

Euro

EUR

Borrow

British Pound

GBP

Borrow

USDT

USDT

Borrow

USD Coin

USDC

Borrow

30+ more fiat currencies

Protecting You Even Under Extreme Market Conditions

Nexo’s cutting-edge tools monitor your credit line health in real time and preserve the value of your collateral even in a market downturn.

Margin Calls

If your collateral starts to depreciate, our Nexo blockchain oracle will send you an email encouraging you to partially repay your crypto credit or add extra collateral.

Collateral Transfer

In case you don’t take any action, the blockchain oracle will automatically transfer assets from your Savings Wallet to your Credit Wallet to keep your credit line health in check.

Automatic Repayments

And if you don’t have assets in your Savings Wallet, the Nexo blockchain oracle will use portions of your collateral to initiate automatic credit repayments – just enough to fill the gap.

How to Best Utilize Your Credit Line

With a minimum of $50 and a maximum of $2M, Nexo is here to help you afford the necessities and luxuries you are thinking about.

Make a Major Purchase

Leverage your crypto and put the cash towards a major expense like renovating your home, buying a new car, or funding your education. Or why not spoil yourself and book that lavish trip you dream of?

Optimize Your Taxes

When using your Instant Crypto Credit Line and spending your available credit, you don't trigger a taxable event, which you otherwise may do when selling your digital assets.

Buy More Crypto

By collateralizing your existing crypto, you can invest in a variety of digital assets and earn interest or trade them. You can even purchase traditional assets like stocks, gold, or real estate.

Invest in Your Business

Grow your company without giving up on your crypto holdings. Cover operational expenses, pay employees on time, or invest in that once-in-a-lifetime business opportunity.

FAQs

How do Nexo’s Instant Crypto Credit Lines work?

How quickly do I get my money?

What is the interest rate?

What is loan-to-value (LTV)?

What if the value of my collateral changes before I repay my credit line?

How does Nexo keep my collateral safe?

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More Ways to Get the Best Out of Nexo

Our products are even more powerful when used together.

Borrow Against Your Crypto from 0% Interest

Open your Nexo account right now and monetize your digital assets within minutes.

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