Crypto Loan Calculator
Estimate how much you can borrow against your crypto holdings. Enter your collateral value and LTV ratio to instantly see your maximum loan amount, then factor in interest and term to plan repayments.
About this calculator
A crypto-backed loan lets you borrow fiat or stablecoins without selling your cryptocurrency. The core formula is: Loan Amount = Collateral Value × (LTV / 100). The Loan-to-Value (LTV) ratio is set by the lender and represents the maximum percentage of your collateral's market value you may borrow — typically 25%–75% depending on the asset. A $10,000 BTC position at 50% LTV yields a $5,000 loan. Interest accrues on that principal over the loan term, so total repayment = Loan Amount × (1 + (interestRate / 100 / 12) × loanTerm). Keeping LTV low reduces the risk of a margin call if crypto prices drop.
How to use
Suppose you hold $8,000 worth of ETH as collateral, and the lender offers a 60% LTV at 12% annual interest over 6 months. Step 1 — Loan Amount: $8,000 × (60 / 100) = $4,800. Step 2 — Monthly interest rate: 12% / 12 = 1%. Step 3 — Total interest: $4,800 × 1% × 6 = $288. Step 4 — Total repayment: $4,800 + $288 = $5,088. Enter these four values into the calculator and it performs all steps instantly, letting you compare scenarios by adjusting LTV or term.
Frequently asked questions
What happens to my crypto loan if the collateral value drops?
If the market value of your collateral falls, your effective LTV rises above the lender's threshold, triggering a margin call or automatic liquidation. Lenders set a liquidation LTV — often 80–85% — at which they sell part or all of your collateral to repay the loan. To avoid this, you can deposit additional collateral or repay part of the principal. Monitoring your collateral's price relative to your loan balance is critical risk management.
How does loan-to-value ratio affect how much I can borrow against crypto?
The LTV ratio is the single biggest lever on your loan size. A higher LTV lets you borrow more from the same collateral but leaves less buffer before liquidation. For example, 50% LTV on $10,000 gives $5,000 whereas 70% LTV gives $7,000, but the liquidation threshold is much closer in the second case. Most platforms offer tiered LTVs: lower-risk assets like BTC and ETH receive higher LTVs, while volatile altcoins receive lower ones.
Why are crypto loan interest rates often lower than personal loan rates?
Crypto loans are fully collateralized, meaning the lender holds assets worth more than the loan balance at all times. This near-zero default risk allows platforms to offer annual rates of 5–15%, well below unsecured personal loan rates of 10–30%. Additionally, many DeFi lending protocols use algorithmic rate-setting based on pool utilization rather than credit checks, further compressing costs. Borrowers also retain exposure to potential crypto upside, making these loans attractive compared to selling.