APX Lending

APX Lending is a North America–focused crypto-backed lending platform that enables borrowers to unlock liquidity from their digital assets without selling them. The company offers loans secured by BTC and ETH, with rates starting at 9.99% APR and loan-to-value (LTV) ratios ranging from 20% to 60% (liquidation at 90% LTV). Terms span 3 to 60 months and are extendable, giving borrowers flexibility based on their capital needs.

Loans are funded instantly in USDC and typically within 24 hours in CAD, positioning APX as a fast-turnaround option for borrowers in Canada and the U.S. Minimums are set at $10,000 CAD/USDC in Canada and $25,000 USDC in the U.S., targeting more serious borrowers rather than micro-loans.

Current APX Loan Rates

1. Canada: Flat 12.99% APR for all loans (CAD or USDC).
2. U.S.: 12.99% APR (loans under $100K), 11.49% APR (loans $100K–$1M), 9.99% APR (loans greater than $1M).
3. Terms: From 3 months to 60 months, extendable.

There is no credit check—your crypto serves as collateral—and APX advertises no hidden fees, with $0 admin or origination charges. Interest accrues daily and is billed monthly, with a minimum interest requirement if the loan is closed within three months. The company also emphasizes hands-on customer service, with real human support available 9–9 on weekdays and 24-hour coverage on weekends.

Overall, APX Lending is structured as a transparent, mid-to-high-ticket crypto loan provider focused on speed, clarity of terms, and traditional service standards layered onto a crypto-native collateral model.