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The Bitcoin Loan Rate Index

A single live number: the lowest published APR across the Bitcoin-backed lenders we verify. Free to cite, free to embed — the widget below always shows current data and updates itself.

Embed it on your site (free)

Paste this snippet anywhere. It stays current automatically — no maintenance — and is free to use with attribution.

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What it measures

The headline figure is the lowest published APR among the lenders we track that accept Bitcoin as collateral — currently 16 centralized and decentralized lenders. Decentralized (DeFi) borrow rates are pulled live; centralized rates are verified against each lender's own published terms, with the "Verified" date showing the last confirmation. The index is a quick market read, not a quote — your actual rate depends on the lender, loan size, term and LTV.

Cite the data

Writing about Bitcoin loans? You're welcome to cite the index — for example: "As of [date], the lowest published Bitcoin-backed loan rate was [X]%, according to the Bitcoin Lending Intelligence Rate Index." A link back to this page is appreciated. For the full breakdown by lender — rates, max LTV, liquidation thresholds, custody and risk — see the comparison table.

Independent & reader-first The index reflects verified published terms only. We take no paid placements, and commercial relationships never affect which lender is lowest or how any lender is rated. See our methodology.