Borrow $5,000 against your crypto, no credit check required.

Unlock funds from the crypto you already hold, at rates from 1.9% annually. Get funds within hours, not days, while your investments keep working for you.

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Operating
since 2018
Ranked #3 CeFi lender in total loan volume
by Galaxy Research, Q1 2026
Assets under management
$7+ billion
credit_line-atf_full-man_stairs-clean-d-ROW.jpg
Operating
since 2018
Ranked #3 CeFi lender in total loan volume
by Galaxy Research, Q1 2026
Assets under management
$7+ billion
Trustpilot

Why this beats a traditional $1,000 loan.

Traditional lenders look at your credit score and income before approving $1,000. The Credit Line of Nexo looks at your crypto instead. Qualify based on the assets you hold, not your credit history.

Get funds within hours

Receive between $50 and $2M with instant approval and no credit checks.

Repay your way

Settle partially or fully whenever it suits you — with no fixed dates and no minimum installments, using crypto or stablecoins.

Keep your collateral flexible

Combine BTC, ETH, and 100+ supported assets as collateral, then swap them anytime as the market evolves.

Here's how borrowing with Nexo works.

See how much crypto you need.

Find out how much collateral you would need to borrow your desired amount.

USD
Bitcoin logoBTC50% LTV
Borrow now

Unlock better Credit Line rates as you progress.

Base Tier reflects the standard rate on every Credit Line. Each tier below it unlocks a lower rate through our Loyalty Program, for as long as you meet its requirements.

Explore the program
Credit Line
Loyalty TierRegular rateDynamic rate (<20% LTV)
Base17.9%not included
Silver15.9%not included
Gold12.9%3.9%
Platinum9.9%1.9%

See which assets you can use as collateral.

Pick from over 100 supported digital assets to borrow against and view their respective Loan-to-value (LTV) ratio.

Bitcoin logoBTCBitcoin
50% LTV
Ethereum logoETHEthereum
50% LTV
NEXO Token logoNEXONEXO Token
15% LTV
Tether logoUSDTTether
90% LTV
USD Coin logoUSDCUSD Coin
90% LTV

Frequently asked questions.

Can I get a $5,000 loan today?

In most cases, yes. Approval and funding happen within hours of depositing your collateral, with no waiting period for a credit decision.

Do I need a credit check to borrow $5,000?

No. Your loan is secured by your crypto collateral, not your credit history.

What happens if my collateral drops in value?

If the value of your collateral falls, you may need to add more collateral or repay part of your loan to avoid liquidation.

When do I get my collateral back?

Once your Credit Line is fully repaid, your collateral becomes available immediately. You can withdraw it, keep it in your Nexo account, or continue using it for future borrowing needs.

How long can I borrow $5,000 for?

There is no fixed term. The Credit Line of Nexo is a revolving line, so you can borrow, repay, and borrow again for as long as your account remains active and in good standing — unlike a traditional installment loan with a fixed repayment schedule.

Driving the next generation of wealth.

Nexo is built for pioneers ready to leverage blockchain technology to shape the next generation of wealth. Create your account today and get started.
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