Bitcoin Loan Calculator
Estimate how much USDC you can borrow against your Bitcoin, the BTC collateral required, and your monthly payment. Adjust the loan amount, term, and LTV to see results update instantly.
Illustrative estimates only — final rates are set by independent lenders on the Coinedge marketplace.
Rates set by lenders. BTC price: $78,442. Illustrative only — not a loan offer.
Request This Loan →The three inputs
What goes into a Bitcoin loan estimate
Loan amount (USDC)
The amount of USDC you want to borrow against your Bitcoin. On Coinedge this is funded by independent lenders, not the platform.
Loan-to-value (LTV)
The ratio of your loan to the value of your BTC collateral. A 50% LTV means you borrow half the value of your Bitcoin — lower LTVs leave more buffer before a margin call.
Loan term
How long you have to repay. A longer term spreads repayment across more months, lowering the monthly payment but accruing more total interest.
How a Bitcoin loan is calculated
A Bitcoin-backed loan lets you access USDC liquidity without selling your BTC. You lock Bitcoin as collateral, receive USDC, and repay over a fixed term. Three numbers drive every estimate: the amount you borrow, your loan-to-value ratio, and the length of the loan.
The calculator above works out the BTC collateral required by dividing your loan amount by your chosen LTV against the current Bitcoin price. Lowering the LTV requires more collateral but gives you a wider safety margin before a margin call.
Understanding loan-to-value (LTV)
LTV is the single most important number in crypto lending. It measures your loan against the value of your collateral. Borrow $30,000 against $60,000 of BTC and your LTV is 50%. As Bitcoin's price moves, your effective LTV moves with it — a falling price pushes LTV up and brings you closer to liquidation.
For a deeper explanation of how LTV affects margin calls, liquidation thresholds, and how to choose a safe ratio, read our guide on what LTV means in crypto lending, or focus on the ratio with our loan-to-value calculator.
Collateral and your monthly payment
On Coinedge, collateral is held in a non-custodial 3-key multisig vault — your Bitcoin stays on-chain and is never rehypothecated. Your monthly payment combines principal repayment with the interest accrued over the term. A longer term lowers each monthly payment but increases total interest paid.
Want to see how borrowing works end to end? Explore borrowing against Bitcoin or learn how to borrow without selling your BTC.
Prefer a different angle? Try our crypto loan calculator or work out exactly how much Bitcoin to pledge with the BTC collateral calculator.
Ready to borrow against your Bitcoin?
Request a loan on the Coinedge marketplace and let independent lenders compete for your terms. No credit checks. Your BTC stays on-chain.