The 5 Best Bitcoin Loan Platforms of 2025

As bitcon adoption continues to grow, so does the demand for financial services that allow users to leverage their BTC holdings without selling. Bitcoin loan platforms offer a way to access liquidity while retaining ownership of your BTC, making them a popular choice for investors and businesses alike. Below are the top five bitco loan platforms of 2025, highlighting their features, pros, and cons.

1. Rocko

While we’re admittedly biased, Rocko stands out as the premier bitcoin loan platform due to its seamless user experience and access to competitive rates from top DeFi lending protocols. Borrowers can compare interest rates from platforms like Aave, Morpho, and Compound and get funds in minutes. Rocko also offers in-app refinancing so you can easily refinance your loan to ensure you’re getting the best rate.

Pros:

• Easy-to-use platform and access funds in minutes

• Shop rates from top DeFi protocols to ensure you’re getting the best rate

• Flexible terms including no monthly minimum payments

• Self-custodial so you retain full control of your assets

• Customizable alerts to monitor your collateral value

Cons:

• Does not offer fixed-rate loan options

• Bitcoin must be wrapped to use as collateral

2. Unchained Capital

Unchained Capital is a bitcoin-only financial services firm specializing in secure, multi-signature custody and lending. Their loan structure ensures bitcoin collateral is never rehypothecated, providing added security for borrowers.

Pros:

• Multi-institution 2-of-3 custody model enhances security

• No rehypothecation of bitcoin collateral

• Tailored for long-term bitcoin holders

Cons:

• Large minimum loan size makes it unavailable for many retail borrowers

3. Ledn

Ledn is a popular bitcoin lending platform that offers BTC-backed loans and savings products. A unique feature of Ledn is its ability to let borrowers decide whether their collateral can be rehypothecated, affecting the interest rate they pay.

Pros:

• Users can choose whether to allow collateral lending

• Loan approval and funding typically occur within 24 hours

• Regular proof-of-reserves attestations increase transparency

Cons:

• Collateral is held or re-lent by a centralized custodian

• Interest rates and admin fees can be costly

4. Lava

Lava is an innovative bitcoin lending platform that uses bitcoin smart contracts to facilitate loans using native bitcoin as collateral. It allows users to agree on loan terms and as well as purchase bitcoin directly in its app.

Pros:

• Facilitates native bitcoin as collateral

• Users can select the loan term which may impact their rate

• Non-custodial lending

Cons:

• Loan terms are relatively short

• Requires monthly minimum payments

5. Arch

Arch is a crypto loan platform designed for both retail and institutional borrowers. In addition to bitcoin-backed loans, Arch also offers the ability to use startup equity as collateral, providing unique liquidity solutions for startup employees.

Pros:

• Innovative collateral options, including startup equity

• Streamlined, user-friendly interface

• No credit checks required for bitcoin-backed loans

Cons:

• Interest rates and origination fees have tended to be higher than DeFi-based platforms

• Custodial nature may deter users who prefer full control over their assets

Conclusion

The best bitcoin loan platform for you will depend on factors like security, interest rates, and ease of use. Whether you need fast liquidity, flexible terms, or easy refinancing, these platforms offer a range of solutions to meet your needs. If you want a seamless and non-custodial lending platform with access to the best DeFi rates, Rocko is a great choice.