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 or XRP 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) under Australian Credit License 542689.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)- 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
Credit provided by Web3 Loans Pty Ltd under Australian Credit License 542689.*
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.
Frequently asked questions
- A Crypto-Backed Loan is a type of secured loan where cryptocurrency assets are used as security to borrow fiat currency. This allows our community of crypto holders to access liquidity without selling their digital assets.Our Crypto-Backed Loans are credit products issued under an authorised representative arrangement, where approved borrowers use eligible crypto assets as security.
- Block Earner accepts BTC, ETH, WBTC & XRP as security for our Crypto-Backed Loans.
- LVR is expressed as a percentage that compares the amount you are borrowing to the lender-assessed value of the asset.For example: Block Earner gives an individual customer up to 40% LVR on a Line of Credit loan. If you had $100k worth of BTC as security, using our maximum LVR of 40% would give you a $40,000 AUD loan.Current Block Earner LVR offerings include:Crypto Security (BTC, ETH, WBTC): Line of Credit @ 40%, Fixed Term @ 50%
- No, your crypto security cannot be accessed, however you can pay down the loan using the security.
- If the price of your BTC goes down, your LVR will go up. Please see the different LVR health stages of our loans below:
BTC, ETH & WBTC40-50%: Healthy50-54.9%: Attention55%-59.9%: Repayment notice>60%: Default risk (30 days to manage)
Stable Coins80-85%: Healthy85-89%: Attention90-94.9%: Repayment notice>95%: Default risk (30 days to manage)
To chat through these different stages, please book a call here.Please note: For customers on a bespoke contract with Block Earner, the above may not apply. - Your Crypto-Backed Loan application and repayment behaviour may be reported to credit reporting bodies, and this information can influence your credit score positively or negatively, depending on each bureau’s assessment criteria.Some credit reporting bodies treat secured loan enquiries differently from unsecured credit; they may view secured credit more favourably, and it may improve your credit score. However, multiple credit enquiries to different lenders within a short period may have a negative impact on your score.To understand how credit scores are calculated, you can refer to publicly available guidance from major Australian credit reporting bodies:Equifax:Experian:Block Earner does not provide credit score advice, and the impact on your score will depend on the policies of each credit reporting body.
- Line of Credit: no monthly repayments are required. Loan repayments can be made at any time, and are due at the end of your 12 month loan term.Fixed Term: compulsory monthly repayments need to be made each month.
- Our Line of Credit loan term is 12 months.Our Fixed Term loan term is 3-5 years.You have the option to close the loan at any time. If you would like to discuss this, please book a call here.
- Typical crypto-backed loan amounts range from $50 to $5M, subject to eligibility, assessment, and approval.Use our crypto loans calculator to see how much AUD you could borrow against Bitcoin, Ethereumor other eligible crypto as security.If you would like to discuss your options, please book a call here.
- For our Line of Credit option, a 2% origination fee and 9.5% interest applies.For Fixed Term loan option, a 2% origination fee and 11.5% interest applies.Please note: Rates are subject to change, please refer to your loan agreement for accurate & up-to-date rates. Please also note, if you choose to redraw on your loan, a 2% origination fee will be charged.
- Interest is calculated daily, compounded monthly.
- You can close your loan at any time. To close a loan you will need to repay the principal, interest and fees with AUD or your crypto security. To close a loan:
- Go into the app and click ‘Loans’
- Click on ‘Manage Loan’
- Select ‘Close Loan’
- Choose to make your final repayment in your crypto or AUD
- Close Loan
Please note: You need to ensure you click ‘Close Loan’. If you make your full repayment and do not do this, you will not have closed your loan facility. If this occurs, we reserve the right to close your loan facility after 30 days of your loan repayment. - If your Loan-Value-Ratio (LVR) loan goes down (meaning the value of your crypto security goes up), yes you can redraw on your loan.For example, say the value of your BTC security goes up, and as a result your LVR goes down to 32%, you can redraw up to another 8% of AUD.To redraw in the app, follow these steps:
- Go to the Loans screen
- Click on your active loan, followed by the ‘Borrow’ button
- You will see a toggle at the top, letting you know what the maximum amount you can redraw is. You can either use the toggle or enter the amount you would like to redraw
- Click ‘Borrow’ and follow the prompts.
- Yes, for a Line of Credit loan, you can add more crypto security into your loan facility to lower your LVR, and access more AUD. Please follow these steps:Ensure you have your desired amount of crypto security in your Block Earner Buy/Sell account:
- If you need to deposit more security into your Block Earner Buy/Sell account, follow these steps.
Top up the crypto security into your loan- Go to the Loans screen and click ‘Manage Loan’
- Click the option ‘Top up security’
- Add in your desired amount of crypto security to your loan and hit ‘Top Up’. Please note: to process this amount may take up to 24 hrs.
Apply for the redraw- Once your crypto security has been approved, your LVR will go down.
- Click on your active loan, followed by the ‘Borrow’ button
- You will see a toggle at the top, letting you know what the maximum amount you can redraw is. You can either use the toggle or enter the amount you would like to redraw
- Click ‘Borrow’ and follow the prompts. Please note: redraw applications may take up to 24 hrs.
- For a Line of Credit loan, you will have the option after your first 12 month loan term to rollover your loan. You will need to pay the interest + fee to rollover your principle into a new 12 month facility.You will be sent a notification about your rollover, 30 days prior to the end of your loan term with details on how to manage this.Please note: Rolling over your loan means you will be signing a new loan agreement, in which case a new interest rate and fee may apply. We reserve the right to terminate our loan rollover offer at any time. Loan Rollovers are subject to approvalLoan Rollovers are not available for Fixed Term Loans
- Go to the Loans Screen
- Click ‘Manage your loan’ and then ‘Manage Loan’
- Hit ‘Repay Loan’ and add in the repayment amount in either crypto or AUD.
If repaying in AUD: Ensure there is enough AUD in your Cash Account to make the repayment.
If repaying in Crypto: Ensure that the repayments for crypto-backed loan are made using the same crypto currency outlined in the loan agreement. For example, if your crypto-backed loan is in BTC, your crypto repayments can only be in BTC.
- Yes it will mean you pay less interest. Interest is calculated daily, compounded monthly on the principal amount. If you make voluntary repayments on the principal, you pay less interest overall.See ‘How to make a loan repayment’ for more information.
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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) under Australian Credit License 542689. *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 Award for Lending Innovation of the Year, 2026 WeMoney Award for Best Crypto-Backed Lending and 2026 FinTech Australia Award for Excellence in Consumer Lending for our Crypto-backed Loans. Winner of 2024 FinTech Australia Excellence in Blockchain/Distributed Ledger, 2024 Digital Economy Council of Australia Financial Services Innovator of the Year, 2025 FinTech Australia Excellence in Web3 (Blockchain or Crypto), 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.