Bitcoin Loans

Are you looking to invest your bitcoins and earn interest? Do you need to borrow some bitcoin money? We list places that offer lending bitcoins or getting a bitcoin loan. A loan in bitcoin could be made and then repaid without the need for a third party. Since the system works exclusively with the digital currency bitcoin, neither the borrower nor the lender needs a bank account to participate in a global loan market.

The most common and safe place to get a bitcoin loan or to earn interest with bitcoin lending is an online website that matches bitcoin lenders and borrowers. There are quite a few bitcoin lending platforms online. We only list the most popular and reliable p2p networks. Another option is to find someone to do the loan deal on one of the popular bitcoin related forums or by meeting someone personally.

Bitcoin lending platforms

These peer-to-peer platforms bring together bitcoin lenders and borrowers. They operate worldwide and are a safe and instant way to get a loan or to invest your bitcoins.

  • BitBondrecommended option is another global peer-to-peer bitcoin lending platform where small businesses get affordable loans while lenders earn profitable interest rates. They have recently secured a €5 million funding commitment from one of Germany’s foremost investment companies to fund European loans. Prime European borrowers can get funded instantly.
  • BTCJam is a marketplace where people from around the world connect to borrow and lend using bitcoin. It is an online investing and personal loan service, bitcoin lending through a peer-to-peer market place. Does not support customers from United States.
  • BTCPOP – offers p2p banking experience with instant loans. It is the only lending site to offer instant loans after a qualifying period within the bitcoin domain. Lending is based on reputation, not credit score. You can quickly get loans from other members or make some money by loaning money you have. You set the terms and the amount.
  • GetLine and Nebeus – new peer to peer credit line sites.
  • xCoins – another way to get bitcoin instantly is a secured loan offered by this bitcoin lending site. Although it is officially a lending site, it more works like buy/sell bitcoin site.

How to get a bitcoin Loan

The process of applying for a loan is pretty simple. First, an on-line account in one of the lending sites above is needed. Then users will be asked to verify their details before creating the loan listing. The next step requires borrowers to enter the required amount, the time period of the loan and the intended interest rate to pay on the loan. If there is a lender in the system who is already listed and ready to lend at suggested terms, the loan process is instantly completed. If not, the borrower waits for offers, reviews offers, accepts the best offer and receives bitcoins.
If you are in a hurry and do not have time to negotiate, BTCPOP offers its users the chance to take out an instant loan. The great thing about instant loans is that what you do with your loan is totally up to you as your instant loan is completely private compared to a standard loan listing where you have to declare your reasons for getting a loan.

fast bitcoin loan

Profitable bitcoin lending for investors

On the other side, bitcoin owners can lend their bitcoins to the loan seekers for some extra profit. But, it must not be forgotten, that there are some risks involved – the borrower might never pay back or miss out on payments.

Bitcoin lending process

For bitcoin lender we suggest to use on or more platforms listed above as they provide more safety to bitcoin lending process compared to forums or bitcoin communities. They often have a thorough verification process for borrowers. Usually, they require a borrower email verification, ID verification, address verification, phone verification and income verification. The world’s largest bitcoin peer to peer lending network BTCJam provides even more verification options. They also display user’s credit rating that is calculated by taking into account the amount of verified information they have about a user, user’s past repayment behavior, a number of open credit lines, a frequency of loans, and a number of late payments.

Autoinvest option for investors

BTCJam and BitBond have an interesting feature that allows investors to easily diversify their investments into 100’s of loans with a few clicks. This tool builds a portfolio automatically according to investors preferences. Platforms claim that autoinvest users are currently averaging 13-14% in returns, but comments on some forums from investors reveal that the real number is around 10%. Lenders are able to chose between safe, smart and risky strategies, depending on their risk appetite. Each strategy is tailored to provide maximum diversification of the lenders’ portfolios, which results in consistent positive returns.

Bitcoin lending tips

In general, bitcoin lending business is similar to general investing. Nevertheless, we highlight a few important principles you should consider when lending bitcoins as a money-making opportunity.

  • Diversify – a basic principle of all investing. Place many smaller loans instead of a big one. With one big loan, the potential return might be larger, but the same applies for the potential loss. Only fund 10% or less of the requested amount. One single loan should not take more than 5% of your portfolio. Also, you may use an auto invest option described below. Put your bitcoins on multiple platforms as well.
  • Study loan-seeker carefully – from the loan description you can see why the borrower needs bitcoins. The description should make sense to you. If it is too good, don’t buy it. Check if this person already repaid loans in the past. What is their current debt? Check profile comments. Did the person reveal any personal info, such as Facebook profile?
  • Lend only what you can afford to lose – bitcoin lending business is risky. If you need this money to pay your bills or to pay back debt, don’t invest it here. As always, things might go wrong and not all borrowers repay as they are supposed to.
  • Look for insurance – some platforms have partnered with a collection agency in order to pursue delinquent borrowers. All delinquent loans are sent to the collection agency, which will pursue all legal means of collecting the debt.

fast bitcoin loan

Doing business on forums

You can find both, investors and borrowers, on popular bitcoin related forums. This is often a tricky option, so we suggest you to do this with extreme caution.

How to do the deal on a forum? First, find an interesting offer, check the investors/borrowers profile, check his forum reputation and negotiate the deal.
A few things that need to be mentioned when doing loans on forums. Besides interest rates you will often hear the term collateral. This is a sort of insurance that borrower will return bitcoins to bitcoin lender. In other words: in order to get a loan, you must give something that is equal, or slightly higher to the amount you are being loaned. Normally lenders will want things such as other cryptocurrencies or precious metals, although things that can be easily resold electronically are preferred. Also, non-material commodities can be used as collateral, for example, some user will say “my collateral is my account on this forum”.

We suggest you to check two Bitcointalk threads – one is for bitcoin micro loans and short term lending, the other one is more related to long-term bitcoin loans. To minimise trouble and scams you can also use an escrow service within this forum to avoid being tricked somehow.
If you are a Reddit user, check this Reddit thread. Any Reddit user is able to ask for a loan in bitcoins anonymously in this special subreddit without revealing identity. However, the loans are very small and users need to have a good account history on Reddit.

As oppose to lending platforms, bitcoin lending process on forums has one major advantage for both investors and loan seekers. Less verification is needed here and more anonymity is provided, but there are more risks involved.


  • BTCPOP also offers bitcoin savings account that daily pays interest on your coins.
  • You can lend money to bitcoin traders at some bitcoin trading platforms and get paid interest for that. You define loan terms on the marketplace for loan demands and offers. See Poloniex for example.
  • You can also get bitcoin credit at Dwolla, bitcoin payment service. The service is called Dwolla Credit and if you are U.S. citizen you can get approved for up to $16k in a line of credit. There are no upfront fees, and it takes only minutes to apply.
  • From Argentina?The Argentinian bitcoin wallet provider, Bitpagos, is now offering users credit through its Ripio offering. The feature will be initially available to a select group of users in Argentina who will be able to borrow up to $1000 from the service.
  • There are other platforms that for some reason we did not include on the list above: StemFund.
  • Please check also other bitcoin money making opportunities.

47 thoughts on “Bitcoin Loans”

  1. Here in Malaysia , there is a bitcoin community that when we provide help to the members of the community we will get 1 % a day. that means 30% a month. I joined the community and get my profit as promised . The maximum for every account is only BTC 20. What i need is a bitcoin loan provider who can lend me as much as BTC 20 which I payback in 4 month with interest if needed. Please give me a call.

  2. Would anyone be intredtrd in lending me 2 full bitcoins to get on my feet? Have a great buisenesd plan and other peers who want to have my business ASAP but I’m struggling for cash to bulk purches will return 3 coins in one month? Many thanks for reading my post at least .Alexander

  3. Hi there I’ll keep this short and sweet. (Can’t make promises I can’t keep so assume line 1 was a lie)

    Bitcoin is revolutionizing the world. We as a civilization are getting more into the cryptocurrency market than ever before. I’m not a blind man (or very old to say the least). I’m a very self motivated individual, once I find something I can display a bit of my passion for. There’s really no stopping me from achieving my dreams… I know Bitcoin will do that. This is a reality now. However like many others, starting up by yourself is difficult. I have too much pride to ask for help, most times. This time it’s a little different. I’ve worked hard to get where I am. Everything has been alright for a little while now. Downside, I want to get into a new career.
    I’ve done construction most of my life. Sadly, I can’t keep dealing with their attitudes in construction. I was built for something bigger than that. But ive had to learn alot of things the hard way throughout those years. The money was good, but I never saved a dime and eventually it slowed down, I fell behind. Always pushing forward.. cause I know it will be okay in the end, as everything is only temporary… I want to be an advisor in this market, as well as a cryptocurrency converter. (Converting ppl). This market makes us all investors. Guess this is more of an audition, than a comment asking for money. If the right person sees it, I’m just an email away from being in contact. Thank you for your time.

    1. *face palm* thought email would just be posted in the message.
      Send me an email, if you would like to work out a loan with me.

      If you would like to donate anonymously, once my wheels are in motion, I intend to pay it forward keeping btc in circulation.


  4. greetings,

    my name is Sarah a Kenyan in Kenya seeking for financial support for a flour milling plant in Kenya.
    more than 70% of Kenyan meals require either maize or wheat flour(s).That tells you that this is a very lucrative business.
    you’re kind assistance will be highly required.
    N.B am willing to even give equity from my company.

  5. I neen 7 BTCOIN for my transport business and and am ready to pay 10% monthly if you can give it out,+2348180163051

  6. Hi,
    I have tried applying for a loan through Loanbase / Bitlending club but for some reason they won’t accept my pay statements or my bank statements as proof of income… I am trying to get hold of 5 BTC to invest. I am willing to pay back 10 BTC after 60 days.
    Please contact me if you are interested. You can contact me at or +447815501976

  7. anyone who is reading this and want to make some interest(money), I will make that happen for you, all I need is your trust and I will repay you with integrity. I am in need of 3bitcoins for loan… I want to invest in my other cryptocurrency which gives me some good percentage each month! and I
    will pay up within 3months! please message me so we discuss
    and I give you details on my investment, and if you re interested to make money on my new e-coin you can, all you have to do is message me. Gmail:

  8. Hi,
    Can anyone please borrow me 15BTC. This is to help me expand my Bitcoin currency exchange business which is in high demand right now in my country. I will agree to pay a realisable 15% monthly interest for 6 month. I will be very grateful to anyone who will help me in expanding my business. Pls mail me,, call:+2348183845766. Thanks.

  9. Hi! I need a 5bitcoin loan. Can anybody lend me?. Let’s just talk about your interest rate. Payable for 12 months if it’s okay with you. Thanks!

  10. I am Brazilian, we are facing a huge economical and political crisis and due to this crisis I lost my job. I had the worst Christmas as I didn’t have any money to buy presents or even food for my 2 kids.
    If you are kind and is reading this comment please kindly help me with any amont possible.
    my walled address is: 36Nxp4io5YTSobeGwsLgfu1kLvBrJDTgk2

  11. I am philips if anyone can can lend me 1BTC i have a high demand in my country i will payback as agreed with the lender. we can first agree before you send . so We can reach a trust level. my email:

  12. I stumbled on your site since yesterday and i have so educated free more that the university. i now know more than i knew concerning bitcoin as a whole. so filled! God bless you guys for a wonderful and God bless that originator of bitcoin Satoshi Nakamoto. Please, how do i get or join the forume or group where I can request for bitcoins loan? 2, Your article did not mention genuine crowd funding sites or genuine HYIP sites? most of the saving and mining interest you mentioned are too small?

  13. Hi everyone.
    I need a quick 0.4 Bitcoin loan for 10 days. I will pay back with your terms and conditions. My btc address is:
    whatsap +24107326270

  14. Hi .

    I need a loan of 1 bitcoin. Just got a job driving uber .. Pls help me back in my feet. Thanks. I can pay back in 2 mths.

  15. hi, can someone please lend me 3 BTC…it will be used to start my small food business and to continue support for my daughter’s education…i will return the amount after six months with 10 percent interest….thank you and God bless…my e-mail…….my bitcoin address….19vu3rjeushHfA2k31bmFohrLJCsQPwhuM

  16. Hello,please I urgently need 2BTC loan and will pay back after six month according to your terms and conditions .My Contact:380934990313.Thank you

  17. Hi I am seeking a 8 BTC loan to fund Medical and Developmental fees for my Austisic twin Boys aged just 3 and 4.Its a short term loan until I receive government funding and I can repay in full with interest.Please contact me at

  18. Hi,

    It’s all depends on your risk potential if you can afford some EMI for loans then you should go for it .

    Let’s take a example if you take a loan of 7 BTC and by investing in cloud mining you can repay that in few months and still you will earn profits from it no liabilities.

    For more information contact me at

  19. Need only 2.5 BTC Loan. Wil repay in five months with interest of 2% per month. Can provide all necessary docs and formalities.
    Need it for business as well as personal use.
    Please Contact for further discussion.

    Thanking you.
    Amartya Bodh Tripathi
    Cell/Whatsapp: +91 7843979875

Leave a Reply

Your email address will not be published. Required fields are marked *