Personal
Crypto Term Loan
Fixed monthly payments over 6 to 60 months. Borrow from $1,000 to $5,000,000.
Learn moreCrypto-backed loans
Unlock cash from your Bitcoin, Ethereum and more. Fixed APRs from 7.20%, no origination fees, and funding in as little as 24 hours.
Personal
Fixed monthly payments over 6 to 60 months. Borrow from $1,000 to $5,000,000.
Learn moreFlexible
Draw funds whenever you need them and pay interest only on what you use.
Learn moreBusiness & Institutional
Working capital for funds, miners and treasuries, with a dedicated relationship manager.
Learn moreLoan calculator
Estimates use live market prices. Adjust the amount, collateral, LTV and term to compare options.
Why NovaCrest
Get cash without selling. You keep the upside if your assets grow in value, and you may avoid a taxable sale.
Approval in as little as one business day. Receive USD by wire or ACH, or get USDC/USDT instantly.
APRs from 7.20%, with no origination fees and no prepayment penalties. Pay off early anytime.
Borrow from $1,000 to $5,000,000. Larger facilities come with a dedicated relationship manager.
95% of collateral is held in insured, multi-signature cold storage. Never rehypothecated.
Real-time monitoring with email, SMS and push alerts long before any action is taken.
How it works
Choose your amount, collateral and term. It takes 2 minutes and won't affect your credit score.
Upload a government ID and confirm your details. Business applicants add company documents.
Send crypto to your dedicated, segregated custody address. We confirm it on-chain.
Receive USD by wire/ACH or stablecoins. Most loans fund the same day collateral arrives.
Today's rates
Rates as of November 7, 2026. All APRs include the AutoPay discount.
| LTV tier | APR with AutoPay | APR $1M+ | Collateral for $100,000 | Best for |
|---|---|---|---|---|
| 25% Conservative | 7.70% | 7.20% | $400,000 | Lowest rate and the largest buffer against market swings. |
| 40% Balanced | 9.20% | 8.70% | $250,000 | A popular mix of borrowing power and protection. |
| 50% Standard | 10.70% | 10.20% | $200,000 | More cash for the same collateral, with a sensible buffer. |
| 65% Maximum | 12.70% | 12.20% | $153,846 | Highest borrowing power. Requires closer monitoring. |
Security Center
We partner with qualified, regulated custodians. Assets are segregated per borrower, held in multi-signature cold storage, and covered by crime insurance. Every transfer requires multi-party approval.
Visit the Security CenterBorrower stories
“I needed $400K for a property down payment and didn't want to sell Bitcoin I'd held since 2017. NovaCrest funded the loan in two days.”
“Our mining operation used a $3.2M facility to buy new hardware. Our relationship manager walked us through every step of the LTV setup.”
“The margin call alerts are excellent. I got a text when ETH dropped, added collateral in five minutes, and never came close to liquidation.”
Illustrative testimonials for demonstration purposes.
Questions
You can borrow from $1,000 up to $5,000,000 per borrower. Your maximum depends on the value of the collateral you pledge and the loan-to-value (LTV) tier you choose. For example, pledging $2,000,000 of Bitcoin at a 50% LTV lets you borrow $1,000,000. Loans above $1,000,000 go through enhanced review with a dedicated relationship manager.
We accept Bitcoin (BTC), Ethereum (ETH), Solana (SOL), BNB, XRP, Litecoin (LTC), USD Coin (USDC) and Tether (USDT). Each asset has its own maximum LTV. See accepted collateral for details.
No. Checking your rate uses a soft inquiry that won't affect your credit score. Because your loan is secured by crypto, approval is based mainly on your collateral and identity verification, not your credit history.
We monitor your LTV 24/7. If it rises to 75% you'll get a margin call by email, SMS and app notification, and you'll have 72 hours to add collateral or repay part of the loan. If LTV reaches 83%, part of your collateral may be sold to bring the loan back to a safe level. Choosing a lower LTV gives you more protection.
Most loans under $1,000,000 are approved within one business day of your collateral arriving. Funds are sent the same day by wire or ACH, or instantly in USDC/USDT. Loans of $1,000,000 to $5,000,000 usually fund within 3–5 business days.
There are no origination fees, no prepayment penalties and no fees to add collateral. Network fees for crypto withdrawals and incoming wire fees charged by your own bank may apply. See fees & disclosures.
Check your rate in 2 minutes. No credit impact, no obligation.