The Safest Bitcoin Loans

Get a bitcoin-backed loan with Unchained to fund your investments or pay your expenses

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Unlock the Value of Your Bitcoin

At Unchained Capital, we build products for long-term bitcoin holders. Our simple platform and live support can help you apply for a loan and get approved within one business day. See where we lend, sign up and get a bitcoin-backed loan today!

How To Apply For a Loan
  • No rehypothecation  (what’s that?)
  • Multisignature custody
  • No credit checks
  • No token or membership plan
  • Same-day funding
ACCESS LIQUIDITY WITHOUT SELLING YOUR BITCOIN

Borrow for Everything, From Buying Real Estate to Paying Taxes

Taxes

Make Tax Season Easy
  • Reduce the tax burden created by selling bitcoin
  • Borrow against your bitcoin to help make a tax payment
  • Read more on our blog

Real Estate

Diversify into Other Hard Assets
  • Fund the purchase of your next home
  • Invest in rental property or home improvements
  • Fast closings can mean more efficient transaction funding than traditional lenders

Debt Consolidation

Consolidate Your Other Debt
  • Eliminate costly credit card debt
  • Simplify payments with just one loan
  • No credit check required

Business

Grow Your Business
  • Fund expansion
  • Free up working capital
  • Leverage your fund’s balance sheet through margin financing

Custody is King

Security is the #1 factor you should consider when taking a bitcoin-backed loan. At Unchained Capital, we store our customers’ bitcoin in dedicated addresses from our multisignature, cold storage wallet. That means no single-signature, no exchanges, and no 3rd parties are used.
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A FAST AND EASY LOAN PROCESS

Loans Up to $1,000,000 Approved Within the Same Business Day

1. COMPLETE APPLICATION

Fill out a secure loan application that only takes minutes to complete.

2. SIGN CONTRACT ONLINE

Once your profile is approved, you can apply for your loan. Interest rates may vary by state.

3. RECEIVE YOUR FUNDS

You’ll be allocated a unique address on the blockchain to monitor your collateral during the loan term.

Multi-institution Custody Available For Loans

Three independent key holders collaborate to protect collateral. Collateral is stored in multisignature addresses requiring 2-of-3 keys to spend. These keys are held by you (the borrower), Unchained, and a third party key agent. No one person or organization is a single point of failure. Here’s how it works.

You & Unchained

Help Protect Your Own Collateral

Upload a key from your hardware wallet

We use this key to build your loan’s dedicated on-chain address

Closing or transferring your loan? Co-sign a transaction with us to release your funds.

You & Key Agent

Recover if We’re Unavailable

We plan on helping you protect your wealth for many years.

In the unlikely scenario that Unchained Capital is unavailable, you will be able to recover your collateral by co-signing with our third party key agent.

Unchained & Key Agent

We Help You Protect Your Wealth

If you lose your key, we will co-sign transactions with the key agent to recover your funds.

In tragic circumstances we can work with your estate to recover your funds.

If you default on a loan, we will co-sign transactions with the key agent to liquidate your funds.

Ultimate Guide to Bitcoin Loans

In some ways, bitcoin-backed loans are similar to traditional collateral-backed loans — but there are important differences to consider. We’ve put together a thorough guide that covers everything you’ll want to know.
READ MORE

Unchained Interest Rates & Fees

Term Interest Rate Origination Fee Annual Percentage Rate (APR)
3-month 9.25% 0.50% 11.16%
6-month 10.00% 0.75% 11.41%
1-year 11.00% 1.00% 11.92%
2-year 12.50% 1.00% 12.90%
3-year 14.00% 1.00% 14.22%
Term Int. Rate Orig. Fee APR
3-month 9.25% 0.50% 11.16%
6-month 10.00% 0.75% 11.41%
1-year 11.00% 1.00% 11.92%
2-year 12.50% 1.00% 12.90%
3-year 14.00% 1.00% 14.22%

Interest rates and fees apply to loans at 50% loan-to-value (LTV). Actual loan terms (including interest rates, origination fees, and APRs) may vary by state and loan amount.

Example loan terms: a $10,000 loan with a term of one year at an 11.00% interest rate and with a 1% origination fee would have monthly interest payments of $90.41, for a total cost of $1,184.93, with a one-time payment of $10,000 due at maturity of the loan, equating to a 11.92% APR.

Loan Terms That Make Sense

TERM LENGTH

3-36 Months

LOAN-TO-VALUE RATIOS

35-50%

U.S. LOAN MINIMUM

$10K+

INTERNATIONAL MINIMUM

$100K+

Actual loans terms, including the interest rates and origination fees, will vary by state.

What Customers Are Saying

Unchained is UNcomplicated, refreshingly simple. Top-notch customer service. Super cold storage. Unchained conveniently facilitates the efficient use of — otherwise idle — signficiant resources (tax-favorably, in my case). A very good alternative. Truly fantastic.

– Personal Loan Customer from Arizona

Thank you very much for your timely and precise answers. I really like your professionalism and customer service. I’m impressed.

– Personal Loan Customer from Florida

Put Your Bitcoin to Work

Apply for a Bitcoin-Secured Loan in Minutes

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