Crypto Loan Calculator
Work out how much USDC you can borrow against your crypto, the Bitcoin collateral required, and your estimated monthly payment. Adjust the loan amount, term, and LTV to see every number 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 drives a crypto loan estimate
Loan amount (USDC)
How much USDC you want to borrow against your crypto. On Coinedge this liquidity is funded by independent lenders competing for your loan, not by the platform itself.
Loan-to-value (LTV)
The size of your loan relative to your collateral. A lower LTV means you pledge more crypto per dollar borrowed and leave a wider buffer before a margin call.
Loan term
How long you have to repay. A longer term lowers each monthly payment but accrues more total interest over the life of the loan.
How a crypto loan is calculated
A crypto-backed loan lets you unlock cash without selling your coins and triggering a taxable event. You pledge crypto as collateral, receive USDC, and repay over a fixed term. Three numbers shape every estimate: the amount you borrow, your loan-to-value ratio, and the loan term.
The calculator above derives the Bitcoin collateral required by dividing your loan amount by your chosen LTV against the current BTC price. A lower LTV requires more collateral but gives you a wider safety margin if the market moves against you.
Which crypto can you borrow against?
Coinedge is built around Bitcoin collateral — the deepest, most liquid asset in crypto and the safest to lend against. You borrow stable USDC so the value you receive doesn't swing with the market, while your BTC keeps its upside exposure.
New to collateralized borrowing? Start with our primer on what crypto lending is and how it works.
Your collateral stays yours
On Coinedge, collateral sits in a non-custodial 3-key multisig vault — your crypto stays on-chain and is never rehypothecated or lent out behind your back. Your monthly payment combines principal repayment with interest accrued over the term.
See how the whole flow works in borrowing against your crypto or read how to borrow without selling your Bitcoin.
More calculators and guides
Ready to borrow against your crypto?
Request a loan on the Coinedge marketplace and let independent lenders compete for your terms. No credit checks. Your crypto stays on-chain.