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Crypto Backed Loans:

Get cash using your Bitcoin, Ethereum, or Solana as collateral

All new loans placed in a decentralized custody wallet that is segregated from other wallets! See your Bitcoin on chain, from the #1 non-bank Mortgage lender in the US**.

8.91% interest rates (9.999% APR) 2: Navigates to numbered disclaimer, the lowest fixed interest rate at 50% LTV in the industry!

*Terms and conditions may apply. Please review disclosures located below for more information.

Featured in

ForbesBloombergThe New York Times

Figure Lending has originated $7B+ in funded loans,
including crypto loans

Get same-day approval* with no credit score needed and flexible payment options.

  • No credit score needed

  • Defer interest payments with no fees to do so

  • See your Bitcoin, Ethereum, and Solana in a decentralized, segregated wallet!

  • Access cash without selling

Crypto: yours to HODL.

Cash: yours to use.

Whether you need to consolidate debt, fund a large purchase, or just bridge short-term finances, our crypto backed loan platform—covering Bitcoin, Ethereum, and Solana loans—lets you borrow against your holdings instantly.

  • Large purchases

Use your Bitcoin, Ethereum, or Solana backed loan to purchase a car, mining equipment, or even plan a dream vacation—no need to sell your BTC, ETH, or SOL.

  • Upgrade your home

Get the funds you need to complete home projects or renovations.

  • Consolidate debt

Pay off high-interest or credit card debt with a lower-interest loan.

  • Invest

Free up cash to re-invest into more BTC, ETH, or SOL with zero trading fees on Figure Markets.

Access funds

Keep your crypto

Access funds quickly, all while keeping your crypto holdings intact. No credit score needed.

Figure Crypto-Backed LoanLednArch
Supported AssetsBTC, ETH, & SOLBTCBTC, ETH, Solana
Interest Rates8.91% (9.999% APR)2: Navigates to numbered disclaimer @ 50%10.9% @ 50%12.5% @ 50%
Origination Fee1%2% admin fee1.5%
CustodianDecentralized, MPC custodyBitGoAnchorage
Term Length1 year1 yearUp to 2 years
Restricted US States (Retail)DC, ID, IL, KY, MD, MS, SD, TX, VT, and VACA, CT, HI, LA, NV, ND, SD, TN, VT, WA, DCCA, TX, IL, OH, VA, WA, TN, +13 others
Founded201820182022

3 Easy Steps to Secure a Crypto-backed Loan

  1. 1

    Create your account

    Download the Figure Markets App and complete registration to easily return to your application.

  2. 2

    Send collateral

    Deposit your BTC, ETH, or SOL as collateral into your decentralized custody Figure Markets wallet —your LTV depends on your crypto’s value.

  3. 3

    Get funded

    Receive cash or crypto into your Figure Markets account

Why Figure?


Trusted lender

Figure Lending has originated $7B+ in funded loans, including crypto-backed loans, and has never lost coin assets or paused crypto withdrawals.


No credit score needed

Your eligibility for a crypto-backed loan is based on your crypto collateral, not your traditional credit score. We will conduct a soft-credit pull to determine if you are in good standing with other lenders.


Competitive rates and flexible payment terms

Enjoy a competitive rate and choose to make monthly interest-only payments or defer interest payments until maturity.


Decentralized custody

New loans are placed into a decentralized custody wallet. You can check in on your Bitcoin with the address we provide you so you can see it sitting there, knowing it’s safe from rehypothecation and segregated from other customers.


Highly impressed!! Easy and convenient

Extremely impressed with how easy and convenient it was to get a Bitcoin backed loan. Money was in the Figure account almost immediately. The only downside is how long it takes to transfer to a bank account but that's not their fault. Would highly recommend!

Written by customer Greg M., 5.0 stars

  • Wonderful customer service, easy to get answers

    Written by customerKara I., 5.0 stars

  • They made the process extremely easy

    Written by customerHieu P., 5.0 stars

  • First time experience, this a great platform

    Written by customerCarlos M., 5.0 stars

3767 Excellent Reviews on  trust pilot

Trustpilot reviews  Opens in a new window.

Frequently asked questions