Crypto loans offer a way to access liquidity without selling your digital assets. Whether you’re looking for centralized (CeFi) or decentralized (DeFi) lending platforms, here are the top 10 crypto loan providers in 2025 based on their interest rates, loan-to-value (LTV) ratios, security, and ease of use.
1. Binance Loans
- Type: CeFi
- LTV Ratio: Up to 80%
- Supported Assets: 30+ cryptocurrencies
- Pros: Competitive interest rates, seamless exchange integration
- Cons: Requires KYC verification
Binance Loans offers one of the most extensive selections of cryptocurrencies for borrowing. With flexible repayment terms and a real-time interest calculation model, it’s a great choice for traders who already use Binance
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2. Aave
- Type: DeFi
- LTV Ratio: Up to 80%
- Supported Assets: ETH, stablecoins, Polygon, Avalanche, Arbitrum assets
- Pros: No credit checks, decentralized governance
- Cons: Smart contract risks, variable interest rates
Aave is a leading DeFi platform that operates through smart contracts, offering dynamic interest rates based on supply and demand. Borrowers can access flash loans without collateral
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3. Compound
- Type: DeFi
- LTV Ratio: Up to 80%
- Supported Assets: ERC-20 tokens, mainly stablecoins
- Pros: COMP token rewards, transparent governance
- Cons: High collateral requirements, limited assets
Compound allows users to borrow and lend crypto while earning COMP tokens as rewards. It’s a reliable option for those who prefer decentralized finance
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4. CoinRabbit
- Type: CeFi
- LTV Ratio: Up to 90%
- Supported Assets: 130+ cryptocurrencies
- Pros: No KYC, quick access to funds
- Cons: Higher interest rates
CoinRabbit is ideal for those who need instant liquidity without undergoing credit checks or identity verification
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5. Unchained Capital
- Type: CeFi
- LTV Ratio: Up to 70% (Bitcoin only)
- Supported Assets: Bitcoin
- Pros: Secure custody, no rehypothecation
- Cons: Only supports Bitcoin, limited to U.S. users
Unchained Capital specializes in Bitcoin-backed loans, providing secure custody with multi-signature wallets
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6. Crypto.com
- Type: CeFi
- LTV Ratio: Up to 50%
- Supported Assets: BTC, ETH, CRO, USDT
- Pros: Lower interest for CRO stakers, flexible repayment options
- Cons: Requires CRO staking for best rates
Crypto.com is known for its credibility and user-friendly platform, making it a top choice for borrowing against crypto
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7. YouHodler
- Type: CeFi
- LTV Ratio: Up to 97% (varies by asset)
- Supported Assets: 40+ cryptocurrencies
- Pros: High LTV ratios, instant approvals
- Cons: Higher liquidation risk
YouHodler allows borrowers to access higher liquidity, but the elevated LTV ratios mean there’s a higher risk of liquidation during market downturns
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8. Alchemix
- Type: DeFi
- LTV Ratio: Up to 50%
- Supported Assets: DAI, ETH, USDC, USDT
- Pros: Self-repaying loans via yield farming
- Cons: Limited collateral options
Alchemix offers a unique self-repaying loan model where your collateral generates yield to pay back your loan over time
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9. Summer.fi (Formerly Oasis)
- Type: DeFi
- LTV Ratio: Varies
- Supported Assets: DAI
- Pros: Low-interest rates, MakerDAO-backed
- Cons: Limited to DAI loans
Summer.fi provides stable and low-interest DAI loans within the MakerDAO ecosystem, making it a safe option for DeFi users
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10. Uniswap Flash Swaps
- Type: DeFi
- LTV Ratio: N/A (uncollateralized loans for arbitrage)
- Supported Assets: Various ERC-20 tokens
- Pros: No collateral needed, automated smart contracts
- Cons: High-risk, requires technical expertise
Uniswap’s flash swaps allow users to borrow funds for arbitrage and repay them within a single transaction, making them ideal for experienced traders
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Conclusion
The best crypto loan provider for you depends on your needs. CeFi platforms like Binance, Crypto.com, and YouHodler offer convenience and security, while DeFi platforms like Aave, Compound, and Alchemix provide more flexibility and decentralization. Always review the LTV ratios, interest rates, and security measures before borrowing crypto.
