Compare Ethereum Loan Rates
Compare lenders accepting Ethereum collateral, including asset-specific LTV, fees, eligibility and liquidation terms.
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These loans use ETH as collateral to receive cash or stablecoins. Borrowing ETH tokens is a different transaction. Collateral can be sold if the loan reaches its liquidation threshold.
Compare loans backed by ETH
Lenders are listed alphabetically. Published collateral support does not establish the interest rate you will receive. “Not confirmed” means the source does not settle that term. Rates change — verify current terms with the provider.
- Rate (APR / APY)
- Personal quote required
- Pricing conditions
- Your rate depends on collateral, loan size and payment schedule; request a quote for this asset.
- Starting / maximum LTV
- 55% for ETH
- Origination fee
- 0.25–1.49%; quote determines fee
- Loan currency
- USD or USDC
- Minimum loan
- Shown by jurisdiction in the application
- Repayment
- Interest payment options include USDC, wire and ACH; schedule set in agreement.
- Term
- Up to 12 months; refinancing available
- Custody
- Anchorage Digital custody; Arch says collateral is not lent out.
- Eligibility
- US borrowers in supported states; international applicants must contact Arch. Verify access before applying.
- Margin call
- 65% LTV
- Liquidation
- 75% LTV; partial sale
- Notice
- Email alerts
- Time to respond
- FAQ describes 24 hours after margin call; confirm interaction with the liquidation threshold in your agreement.
- Liquidation charge
- Typically 2% of the amount sold, subject to state law
Checked October 28, 2026 · Arch loan terms · Arch custody and notifications
Check eligibility and quote- Rate (APR / APY)
- 12% APR
- Pricing conditions
- Includes the 2% upfront fee for the stated 12-month example; individual terms may differ.
- Starting / maximum LTV
- 50% for ETH
- Origination fee
- 2% of principal; generally deducted from proceeds
- Loan currency
- USD
- Minimum loan
- $1,000
- Repayment
- Principal may be prepaid without a penalty; confirm interest payment schedule.
- Term
- 12 months
- Custody
- BitGo cold storage; Lantern says collateral is not lent out.
- Eligibility
- Jurisdiction and borrower eligibility apply; confirm product access directly.
- Margin call
- Not confirmed; ask the lender
- Liquidation
- Above 75% LTV after the grace period expires
- Notice
- Margin call; delivery method not specified on the rates page
- Time to respond
- 72 hours after margin call
- Liquidation charge
- No liquidation penalty stated
Checked October 28, 2026 · Lantern rates and policies
Check eligibility and quote- Rate (APR / APY)
- Personal quote required
- Pricing conditions
- Quote depends on jurisdiction, account tier and LTV. A conditional minimum is not a standard borrowing rate.
- Starting / maximum LTV
- 50% for ETH
- Origination fee
- Not confirmed; ask the lender
- Loan currency
- Bank transfer or supported stablecoins
- Minimum loan
- Not confirmed; ask the lender
- Repayment
- Partial or full repayment; no fixed installments
- Term
- Open credit line
- Custody
- Collateral transferred to Nexo; confirm contractual use and custody arrangements.
- Eligibility
- Product access and terms depend on country and account. Confirm availability for your verified residence.
- Margin call
- Not confirmed; ask the lender
- Liquidation
- 83.33% LTV for crypto-only collateral; partial automatic repayment
- Notice
- Not confirmed; ask the lender
- Time to respond
- Not confirmed; ask the lender
- Liquidation charge
- Not confirmed; ask the lender
Checked October 28, 2026 · Nexo collateral and repayment terms · Asset terms
Check eligibility and quoteOther lenders listing ETH collateral
Collateral support and product terms have not been independently confirmed for these listings. Generic rates and LTV figures are omitted.
What would a $10,000 ETH-backed loan cost?
Compare a $10,000 gross principal over 365 days at 50% starting LTV, requiring $20,000.00 of collateral at opening. The model assumes an unchanged principal and simple interest on a 365-day basis. It excludes late charges, liquidation, transfers, currency conversion and taxes. A fee deducted at funding reduces the cash you receive.
Illustrative costs for the same principal, term and starting LTV| Lender | Interest | Upfront fee | Total cost | Cash received |
|---|
| Arch Lending | A comparable personal quote is required. |
|---|
| Lantern Finance | $1,000.00 | $200.00 | $1,200.00 | $9,800.00 |
|---|
| Nexo | A comparable personal quote is required. |
|---|
Lantern’s example uses its published 10% nominal interest rate and 2% fee on gross principal. Its published 12% APR already includes that fee; adding 2% to the APR would count it twice. This illustration assumes approval at the stated LTV and is not a personal quote. With only one complete public cost example, there is no supported cheapest-lender verdict.
Model your loan cost · Stress-test collateral prices · Compare lender liquidation terms
Before transferring ETH
Confirm the deposit network and that the lender accepts native ETH. Staked ETH and liquid staking tokens are separate assets; do not assume that an ETH loan accepts them. Ask whether depositing collateral stops any staking income you currently receive.
Use the liquidation terms for your collateral, rather than a lender’s Bitcoin limits. Interest added to the balance can raise LTV even when the asset price stays unchanged. Leave time for transfers and confirmations when responding to a margin call.
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