Best Crypto Loan Platforms in 2026

CoinRabbit is a platform offering products for borrowing, storing, swapping, and saving crypto, founded in 2020. It is available as a user-friendly website and a mobile app for Android.

Users can take crypto loans in BTC, ETH, USDT, USDC, and DOGE, using collateral from over 339 cryptocurrencies with up to 90% LTV. The wallet follows a no-rehypothecation policy, with all collateral securely stored in multisig cold wallets. CoinRabbit stands out for its convenient borrowing features, allowing users to track all active loans and loan health through a clear visual interface. Collateral can be provided either from a CoinRabbit wallet or any external wallet of choice.

For more advanced users with large volumes (over $500,000), there is a CoinRabbit Private Program, offering a dedicated manager and personalized borrowing ratings, which provides greater flexibility in managing crypto assets and investing strategies.

YouHodler is a fintech company focused on combining traditional finance and Web3 finance, which was founded in 2018. YouHodler includes a variety of products for buying and selling cryptocurrencies, making payments, storing assets, and providing crypto-backed loans.

Crypto loans on the platform are available through the Get Cash product, where users can take out a loan using more than 50 different cryptocurrencies and tokens as collateral, with a minimum loan amount starting from 100 USD.

YouHodler Get Cash is especially distinguished by its loan management tools, which include tracking the risk of liquidation, setting Take Profit for a loan, as well as an adjustable price down limit to protect the loan.

Nexo is a digital asset wealth platform launched in 2018, offering products for digital asset loans using over 100 cryptocurrencies as collateral. Since its launch, Nexo has managed over $11 billion in assets.

Nexo enables users to access borrowing power of up to $2 million daily, with more than 100 cryptocurrencies available as collateral. Additionally, Nexo stands out for its flexibility, offering multiple repayment options, allowing users to repay loans with either fiat or crypto. Users can also combine different cryptocurrencies as collateral for borrowing.

Furthermore, Nexo includes a Loyalty Program, which provides holders of its native token, NEXO, with benefits such as reduced borrowing rates and other platform-related bonuses.

Aave is the largest decentralized lending protocol, with over $40.2 billion TVL across 12+ chains and more than 2.3 million users. Launched in 2020, it offers users the ability to borrow crypto loans and earn interest by lending assets.

Aave provides a wide range of features for crypto loans, including Flash Loans, allowing developers to borrow instantly without collateral. Additionally, Efficiency Mode allows users to reduce collateral requirements, thereby boosting their borrowing capacity.

Aave also supports interacting with crypto loan features through Testnet Mode, enabling users to explore and test the platform with test assets before engaging with real funds. Crypto loan management is made with a user-friendly dashboard, equipped with risk-tracking tools like the Health Factor, which indicates the safety of a borrowing position from liquidation.

that allows users to borrow and lend crypto assets. Since its launch in 2023, SparkLend has accumulated over $5.94 billion in TVL and provides access to more than $8 billion in liquidity.

Interaction with the protocol is available through the Spark dApp interface, where users can borrow stablecoins such as DAI and USDC at transparent rates determined by Sky’s decentralized governance. Through a simple and intuitive interface, users can monitor their positions with advanced risk control and take advantage of additional features.

For example, Efficiency Mode allows users to increase their borrowing power and maximize capital efficiency. Additionally, borrow and supply caps set by Sky governance help reduce risks for the protocol itself.