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Get a loan against your .

Open a crypto-backed Credit Line using your as collateral. Enjoy a flexible repayment schedule, tax-efficient borrowing, and interest rates as low as 0.9%.

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Trustpilot
Operating
since 2018
Ranked #3 CeFi lender in total loan volume
by Galaxy Research, Q1 2026
Assets under management
$7+ billion

loan that supports your wealth growth.

Use your holdings as collateral and access funds when you need them. Whether you're growing your portfolio or covering expenses, Nexo’s Credit Line gives you borrowing power without giving up your assets.

Why choose Nexo for your loan

Up to $2 million

Borrow the equivalent of up to $2 million daily for individuals and up to $200 million for private clients.

Get your funds fast

Open a Credit Line with an automatic approval process — receive your funds on the same business day, or within 5 business days at the latest.

Tax-efficient borrowing

Hold onto your digital assets while accessing liquidity without triggering taxable events that come with selling.

Access funds your way

Send funds to your bank account or receive stablecoins directly in your Nexo account.

Flexible schedule

Repay your loan at your own pace without worrying about rigid schedules.

Multiple repayment options

Choose to repay with fiat or crypto – including the digital assets you used as collateral for your loan.

See how much you can borrow.

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

USD
Bitcoin logoBTC50% LTV
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What you need to know about your loan.

Understanding your LTV

Unlike traditional lenders that evaluate clients based on credit scores, Nexo uses your digital assets as collateral. The amount you can borrow is based on the Loan-to-Value (LTV) ratio, allowing you to borrow up to % of your collateral's value.

Receiving your loan

Access your funds on your terms. No credit checks or paperwork required. Once approved, your funds can be sent directly to your bank account in your preferred currency or as stablecoins in your Nexo account.

Repaying your credit line

With Nexo’s flexible repayment model, you can make partial or full loan repayments on your own schedule – with supported cryptocurrencies or stablecoins.

Unlocking bespoke services

Top up more than $100,000 to unlock access to a dedicated relationship manager, crypto loan at 0% annual interest, and custom terms and rates.
Learn more about our Credit Line

What clients say about Nexo.

I use Nexo since 2020 and it is my number 1 platform for crypto. Great service and availability in every issue and request that I ever had. I can only further recommend, especially worth mentioning is the top military security that it has and also the custodians behind Nexo that make me feel safer putting my investments in their hands. Keep up the good work !

I have been investing in Nexo 2017 and have used the platform since then without any issues. Borrowing is straightforward fast and easy, while the interest rates on savings are consistently attractive. Nexo provides an easy and secure way to manage crypto assets and earn passive income. I can highly recommend Nexo – the platform is user-friendly, reliable, and stands out with its transparent and innovative business model. A great company that clearly differentiates itself from the competition.

I've been using Nexo for some years now, and I'm thoroughly impressed with their service. The platform is user-friendly, making it easy for even beginners to navigate. The interest rates for borrowing and earning are competitive, and I appreciate the transparency in fees and terms. Plus, the security measures give me peace of mind knowing my assets are safe. Overall, Nexo is a reliable and efficient crypto lending platform that I highly recommend to anyone looking to leverage their crypto holdings.

Borrow against your in three easy steps.

1. Get started

Тap the ‘Borrow’ button in the app and choose to receive funds directly in your bank or stablecoins to your Nexo account.

2. Enter the amount

Select the currency you want to receive and enter your loan amount.

3. Receive your loan

Confirm your loan by clicking the ‘Borrow’ button, and receive your funds on the same business day, or within 5 business days at the latest.
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Awards and recognitions.

Understand how crypto-backed credit works.

Plain-language guides to help you make informed decisions about borrowing against your digital assets.

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What Is Crypto Lending?

How crypto-backed credit lines work, what LTV means, and how repayment actually functions.
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Why Would Anyone Get a Bitcoin Loan?

Six reasons long-term holders choose to borrow instead of sell — from tax planning to staying invested.
How to borrow against Bitcoin step-by-step guide

How to Borrow Against Bitcoin

A step-by-step guide to using BTC as collateral — how LTV works, what to watch, and how to manage risk.

Frequently asked questions

How do loans work?

Borrowing against lets you access funds using it as collateral, without selling it. With the Nexo Credit Line, you can receive EUR, GBP or USD by bank transfer, or USDC or USDT in your Nexo account, depending on your jurisdiction. Your stays in your Nexo account as collateral while your Nexo Credit Line is open.

Do loans require a credit check?

No. The Nexo Credit Line is backed by your crypto collateral, so Nexo does not run credit checks. Your borrowing activity is not reported to credit agencies, so it does not affect your credit score.

How much can I borrow against ?

With the Nexo Credit Line, you can borrow up to a set percentage of your ’s current market value, known as its loan-to-value (LTV) ratio. The LTV differs by asset, and the amount available changes with the price of . You can see how much you can borrow against in the Nexo app. Withdrawals range from $50 (in stablecoins) or $500 (by bank transfer) up to $2 million per day.

What happens if the price of drops while I’m borrowing?

If the price of falls, the loan-to-value (LTV) ratio of your Nexo Credit Line rises. If it rises too high, Nexo may ask you to add collateral or repay part of your Nexo Credit Line. If the LTV reaches the automatic repayment level, Nexo sells part of your collateral at the market price to bring the ratio back down. You can check your current LTV and automatic repayment level at any time in the Nexo app.

Are loans taxable?

Selling at a profit can create a taxable gain. Depending on your jurisdiction, borrowing against it with the Nexo Credit Line may have tax advantages compared to selling. Tax rules vary, and Nexo does not provide tax advice. Please consult a qualified tax professional.

How fast are loans paid out?

Most Nexo Credit Line withdrawals are approved automatically, but some can take up to 1 business day because of security and compliance checks. After approval, stablecoins usually arrive in your Nexo account within minutes. Local bank transfers usually arrive the same or next business day. International transfers take 1 to 5 business days.

How are loans repaid?

You can repay part or all of your Nexo Credit Line at any time, with no fixed monthly payments. You can repay in supported crypto, stablecoins, or fiat currency held in your Nexo account.

What are the risks of loans?

The main risk is a fall in the price of . If the LTV of your Nexo Credit Line reaches the automatic repayment level, Nexo sells part of your collateral at the market price. It sells only the amount needed to bring the LTV back down, though more may be sold during periods of high volatility. You may then lose the chance to benefit from a later price recovery on the that was sold. To reduce the risk of automatic repayment, you can add more collateral or repay part of your Nexo Credit Line at any time. Interest is charged daily and compounds.

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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