CRYPTO CREDIT LINES

Get Funds.
Keep Your Crypto.

Borrow without selling your crypto with rates as low as 2.9%. 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.

Quick Approval

You are quickly approved and typically receive the funds within 24 hours.

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.

Seamless Repayment

Choose between stablecoins, 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

7M+ Nexo users
worldwide

80+ Currencies
to borrow against

200+ Available
jurisdictions

Borrow at Just 2.9% Interest

Join our Loyalty Program and get funds at low cost! Just enable our Low-Interest Borrowing feature to automatically keep your LTV ratio below 20% and enjoy our best rates.

Not a Conventional Loan. But a Smart Credit Line.

Crypto Credit Lines Conventional Loans
Opportunity to grow your portfolio
Lower interest rates
No origination fees
Tax-efficiency
Quick approval
No paperwork to fill
No monthly repayments
No impact on credit score

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:
Click on the "Top Up" button. Copy the top-up address and transfer the assets you wish to use as collateral.
Once you top up, you will be able to borrow immediately with no credit checks. Your available limit will be calculated depending on the value of your assets.
Withdraw your funds without any delays. You will be charged interest only on the amount you actually borrow.

Cover Your Daily Expenses

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

Borrow Against 85+ Assets

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

NEXO Token

NEXO

15% LTV

Borrow Now

Ethereum

ETH

50% LTV

Borrow Now

Bitcoin

BTC

50% LTV

Borrow Now

Pax Dollar

USDP

90% LTV

Borrow Now

DAI

DAI

90% LTV

Borrow Now

USD Coin

USDC

90% LTV

Borrow Now

USDT

USDT

90% LTV

Borrow Now

PAX Gold

PAXG

70% LTV

Borrow Now

NETH

NETH

50% LTV

Borrow Now

Optimism

OP

33% LTV

Borrow Now

Axie Infinity

AXS

33% LTV

Borrow Now

Polygon

POL

33% LTV

Borrow Now

Fantom

FTM

33% LTV

Borrow Now

THORChain

RUNE

33% LTV

Borrow Now

NEAR Protocol

NEAR

33% LTV

Borrow Now

Cosmos

ATOM

33% LTV

Borrow Now

Kusama

KSM

33% LTV

Borrow Now

Avalanche

AVAX

33% LTV

Borrow Now

EigenLayer

EIGEN

30% LTV

Borrow Now

BOOK OF MEME

BOME

30% LTV

Borrow Now

Jupiter

JUP

30% LTV

Borrow Now

Filecoin

FIL

30% LTV

Borrow Now

dogwifhat

WIF

30% LTV

Borrow Now

FLOKI

FLOKI

30% LTV

Borrow Now

Render

RENDER

30% LTV

Borrow Now

Ether.fi

ETHFI

30% LTV

Borrow Now

PEPE

PEPE

30% LTV

Borrow Now

Internet Computer

ICP

30% LTV

Borrow Now

Toncoin

TON

30% LTV

Borrow Now

Pendle

PENDLE

30% LTV

Borrow Now

Shiba Inu

SHIB

30% LTV

Borrow Now

Wormhole

W

30% LTV

Borrow Now

Ethena

ENA

30% LTV

Borrow Now

ONDO

ONDO

30% LTV

Borrow Now

SEI

SEI

30% LTV

Borrow Now

SUI

SUI

30% LTV

Borrow Now

Injective

INJ

30% LTV

Borrow Now

The Graph

GRT

30% LTV

Borrow Now

Pancake Swap

CAKE

30% LTV

Borrow Now

Enjin Coin

ENJ

30% LTV

Borrow Now

Basic Attention Token

BAT

30% LTV

Borrow Now

Algorand

ALGO

30% LTV

Borrow Now

Hedera

HBAR

30% LTV

Borrow Now

Worldcoin

WLD

30% LTV

Borrow Now

yearn.finance

YFI

30% LTV

Borrow Now

Kyber Network

KNC

30% LTV

Borrow Now

Balancer

BAL

30% LTV

Borrow Now

Osmosis

OSMO

30% LTV

Borrow Now

Synthetix

SNX

30% LTV

Borrow Now

Convex Finance

CVX

30% LTV

Borrow Now

Compound

COMP

30% LTV

Borrow Now

STEPN

GMT

30% LTV

Borrow Now

Frax Share

FXS

30% LTV

Borrow Now

Ethereum Name Service

ENS

30% LTV

Borrow Now

1inch Network

1INCH

30% LTV

Borrow Now

Chiliz

CHZ

30% LTV

Borrow Now

Maker

MKR

30% LTV

Borrow Now

Lido DAO

LDO

30% LTV

Borrow Now

Curve DAO

CRV

30% LTV

Borrow Now

DYDX

DYDX

30% LTV

Borrow Now

SushiSwap

SUSHI

30% LTV

Borrow Now

The Sandbox

SAND

30% LTV

Borrow Now

Decentraland

MANA

30% LTV

Borrow Now

Uniswap

UNI

30% LTV

Borrow Now

Dogecoin

DOGE

30% LTV

Borrow Now

AAVE

AAVE

30% LTV

Borrow Now

Arbitrum

ARB

30% LTV

Borrow Now

Chainlink

LINK

30% LTV

Borrow Now

EOS

EOS

30% LTV

Borrow Now

Stellar

XLM

30% LTV

Borrow Now

Bitcoin Cash

BCH

30% LTV

Borrow Now

Litecoin

LTC

30% LTV

Borrow Now

GMX

GMX

30% LTV

Borrow Now

Cardano

ADA

30% LTV

Borrow Now

Celestia

TIA

30% LTV

Borrow Now

Solana

SOL

30% LTV

Borrow Now

BNB

BNB

30% LTV

Borrow Now

Polkadot

DOT

30% LTV

Borrow Now

XRP

XRP

30% LTV

Borrow Now

GALA

GALA

25% LTV

Borrow Now

ApeCoin

APE

25% LTV

Borrow Now

Aptos

APT

15% LTV

Borrow Now

Sweat Economy

SWEAT

10% LTV

Borrow Now

Terra

LUNA

0.01% LTV

Borrow Now

TrueUSD

TUSD

0.01% LTV

Borrow Now

Huobi Token

HT

0.01% LTV

Borrow Now

TRON

TRX

0.01% LTV

Borrow Now

Get Stablecoins or FiatX Currencies

Stablecoins are quickly received to your Nexo account and FiatX currencies to your bank account take up to 1 business day

Supporting 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 funds 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 you borrow stablecoins using crypto as collateral, you may optimize your taxes as you’re not selling digital assets.

Buy More Crypto

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

Grow Your Business

Expand your company without giving up your crypto holdings. Cover operational expenses, pay employees on time, or take advantage of a favorable business opportunity.

FAQs

How do Nexo’s Crypto Credit Lines work?

How quickly do I get my funds?

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 look after my collateral?

Can't see your question answered above?
Visit our Help Center

More Ways to Get the Best Out of Nexo

Our products are even more powerful when used together.

Borrow Against Your Crypto from 2.9% Interest

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

Borrow Now