Crypto-Backed Loans
Borrow AUD using crypto
Crypto-Backed Loans
Crypto-Backed Line of Credit
Borrow AUD, keep your crypto
Borrow AUD with Crypto-Backed Loans using Bitcoin, Ethereum, USDT and USDC as security. Get approved fast and borrow from $50 to $5 million AUD within 24 hours. Manage your loan-to-value ratio (LVR) easily via desktop or mobile app, with no early repayment fees, and repay in AUD or crypto.
9.50
% p.a.
Fixed rate for 12 months
11.93
% p.a.
Fixed rate for 12 months
Fixed Term Crypto Loans
Loans for life’s big purchases
Access up to $5 million AUD within 24 hours of approval. Enjoy predictable monthly repayments and fixed interest rates for up to five years. Unlock AUD for business growth, property renovations, or investments while maintaining exposure to your digital assets. Experience reliable Australian crypto finance.
11.50
% p.a.
Fixed rate for 3-5 years
12.17
% p.a.
Fixed rate for 3-5 years
Min. Monthly repayments
$0.00 AUDRepay at anytime*
Origination fee
$0.00 AUD2% of loan amount*
Maximum interest
$0.00 AUD12 month loan term, assuming no early repayments*
- Total Interest
- 2% Origination Fee
- Loan Amount
*Approved applicants only. Terms, conditions, fees and charges apply. *The rate provided above is indicative and your rate may be different based on a variety of factors, including your credit worthiness. Rates are subject to change. ^The comparison rates are based on a secured loan of $10,000 over a term of 3 years. The comparison rate provided includes a 2% origination fee. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit provided by Web3 Loans Pty Ltd ACN 668 516 952 and managed by Web3 Ventures Pty Ltd trading as Block Earner (ACN 655 090 869) authorised representative 551024 of Mortgage Direct Pty Limited ACN 075 721 434 Australian Credit Licence 391876.T&Cs apply.
Download Loans Guide
Award-winning crypto lending
As an AUSTRAC-registered business, Block Earner provides crypto lending in Australia, using institutional-grade custody (Fireblocks) and strict risk management. Download our loans guide and book a call to learn more.
WeMoney Winner
2024 Lending
Innovation Of The Year*
Why choose Block Earner? Australia’s leading crypto loans
From business expansion to lifestyle purchases, Crypto-Backed Loans are a powerful solution to bring your crypto wealth back to life. At Block Earner, we make it easy to manage market fluctuations with confidence.
Australian Credit Licensed (ACL) authorised representative- 30-day Default Notice to restore LVR if needed
- Avoid crypto sell-offs, temporary dips won’t trigger action
- Maintain your assets if prices rebound
Bitcoin car loans
Buy your dream car, or cover unexpected costs
BTC travel loans
Pay for travel with a Bitcoin-Backed Loan
Debt consolidation
Simplify and manage your debt more effectively
Home renovations
Crypto Home Loans to buy or renovate your property
University loans
Invest in your education to build a bright future
Weddings
Handle the expenses for any special occasion
How to borrow AUD using crypto?
Monitor your loan-to-value ratio (LVR) anytime via our desktop or mobile app. Stay informed with in-app LVR health notifications, emails, and SMS updates, plus a weekly summary of your crypto loan status.
You can use crypto or repay in AUD to maintain a healthy LVR. You can repay your Crypto-Backed Line of Credit on any schedule or in full at the end of the 12-month term.
If your LVR reaches Default Notice, you will receive a Default Notice via email. You will have 30 days to bring your LVR below the Repayment Notice level. If no action is taken within this period, after 30 days, we will sell a portion of your crypto security to reduce the LVR back to the Repayment Notice threshold.
Fast settlements
Get AUD within hours of approval, straight to your bank account.
Low Fees. Fixed rates.
2% origination fee, fixed interest rates, repay on your own schedule.
No early repayment fees
Flexible repayment terms provide access to AUD when you need it.
Maintain exposure
Keep your exposure to crypto price movements while you borrow AUD.
5.0
"Excellent service, rates and user experience... From depositing crypto to money in my bank took less than 24hrs... Would recommend and use again in future."
5.0
"Great way to consolidate loans. Straightforward with keenly priced interest rates."
5.0
"Getting a btc backed loan was easy and fast. Congrats to the team for their excellent level of service."
- 1.
Apply for loan
Borrow up to 50% of the value of your Bitcoin and Ethereum
- 2.
Get Approved
Pre-approval is available before sending crypto for your loan
- 3.
Receive AUD
Receive AUD directly to your bank account within 24 hours*
Avoiding crypto sell-offs
If your loan goes into default, natural-person borrowers have 30 days to repay AUD or add crypto security to restore the health of their loan. If no action is taken within this period, Block Earner may automatically sell a portion of your crypto security to bring your LVR back to 55%. Here’s why Australians trust Block Earner loans:
Fireblocks security
Crypto security is held in Fireblocks custody, with multi-layer security and in-kind insurance.
Australian Credit License
Authorised Representative (551024) offered under Australian Credit License (ACL 391876).*
30 Day Default Notice
Individuals have a 30-day grace period to restore LVR if needed, temporary dips won’t trigger action.
Top up. Redraw. Rollover.
Add crypto security to maintain LVR health. Borrow more AUD as your crypto grows. Apply to rollover.
Australia-based support
Speak directly with our Sydney team for fast, reliable assistance. Our experts are here for you.
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Additional information
*Approved applicants only. Terms, conditions, fees and charges apply. *The rate provided above is indicative and your rate may be different based on a variety of factors, including your credit worthiness. Rates are subject to change. ^The comparison rates are based on a secured loan of $10,000 over a term of 3 years. The comparison rate provided includes a 2% origination fee. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit provided by Web3 Loans Pty Ltd ACN 668 516 952 and managed by Web3 Ventures Pty Ltd trading as Block Earner (ACN 655 090 869) authorised representative 551024 of Mortgage Direct Pty Limited ACN 075 721 434 Australian Credit Licence 391876. *Capital is not covered by the Australian government deposit guarantee. For more info please see our Terms of Use and FAQs. Winner of 2024 WeMoney Lending Innovation of the Year award for our Crypto-backed Loans. Winner of 2024 FinTech Australia Excellence in Blockchain/Distributed Ledger, Winner of 2024 Digital Economy Council of Australia ‘Blockies’ Financial Services Innovator of the Year, Winner of 2025 FinTech Australia Excellence in Web3 (Blockchain or Crypto), Winner of 2025 Finder Innovation Awards Most Innovative Team, Tech Innovation and Digital Assets & Web3 Innovation. NB: These awards are for Block Earner's full suite of products and not specifically the Crypto-Backed Loans product.