crypto.loans

YouHodler BTCloan: rates, LTV & how to borrow

Can I borrow against BTC on YouHodler?
Yes — you can borrow against Bitcoin (BTC) on YouHodler at 5.9–12% APR with up to 90% LTV, on a third-party basis with KYC.
Borrow on YouHodler

YouHodler accepts Bitcoin (BTC) as loan collateral. Bitcoin is the largest cryptocurrency by market cap and the most widely accepted collateral for crypto-backed loans. On YouHodler you can borrow USD, EUR, USDT, USDC against your BTC at 5.9–12% APR, up to a maximum loan-to-value of 90%, on a third-party basis.

To borrow against BTC on YouHodler you open an account, complete identity verification, deposit your BTC as collateral, and draw a loan. YouHodler uses a third-party model, so consider how it secures collateral before committing a large BTC position.

Bitcoin's price volatility is the main driver of liquidation risk on a YouHodler loan, which is why the 90% maximum LTV exists. Borrowing well below it — and adding collateral or repaying when BTC falls — keeps your position out of the liquidation zone. YouHodler sources its rates on a verified, manually-tracked basis.

How to borrow against BTC on YouHodler

  1. 1Create a YouHodler account and complete identity verification (KYC).
  2. 2Deposit your Bitcoin (BTC) as collateral.
  3. 3Choose your loan amount up to 90% LTV and receive USD, EUR, USDT, USDC.
  4. 4Repay under YouHodler's terms to reclaim your BTC. Add collateral or repay early if BTC falls toward the liquidation level.

How YouHodler compares for BTC

7 platforms in our index accept BTC as collateral. On borrow rate, YouHodler ranks 3rd of 7, behind Nexo's 1.9–18.9%. The table below puts YouHodler next to its closest BTC alternatives so you can weigh rate against custody and LTV.

NexoCeFi
Borrow APR
1.9–18.9%
Max LTV
50%
KYC
Required
Custody
Third-party
Apply
AaveDeFi
Borrow APR
4–8%
Max LTV
80%
KYC
No KYC
Custody
Self-custody
Apply
YouHodlerCeFi
Borrow APR
5.9–12%
Max LTV
90%
KYC
Required
Custody
Third-party
Apply
LednCeFi
Borrow APR
9.25–11.9%
Max LTV
50%
KYC
Required
Custody
Third-party
Apply

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Frequently asked questions

Can I borrow against BTC on YouHodler?
Yes. YouHodler accepts Bitcoin (BTC) as collateral, letting you borrow USD, EUR, USDT against it at 5.9–12% APR, up to 90% loan-to-value.
What is the interest rate for a YouHodler BTC loan?
YouHodler's borrow APR is 5.9–12%. Confirm the current rate on the platform before borrowing, as terms can change.
Does borrowing against BTC on YouHodler require KYC?
Yes. YouHodler requires identity verification to borrow against BTC.
What happens if my BTC collateral drops in value?
If your BTC falls far enough that your loan-to-value crosses YouHodler's liquidation threshold, part of your collateral can be sold to repay the loan. Keep a buffer below the 90% maximum LTV to reduce that risk.

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