Bitcoin-Backed Loans
Borrow AUD using Bitcoin
Bitcoin-Backed Loans
Home of Australia’s
Bitcoin-Backed Loans
Get a Bitcoin-Backed Loan in Australia and borrow up to $5 million AUD using your Bitcoin as security. Borrow AUD within 24 hours of approval, maintain full exposure to the Bitcoin price, and manage your BTC loan LVR directly in our app. Here’s how Bitcoin loans work with Block Earner:
Borrow from $50 up to $5 million AUD within 24 hours*- Access AUD funds of up to 50% of your Bitcoin’s value
- Manage your loan and LVR via desktop or mobile app
- Maintain your exposure to the Bitcoin price
Our Bitcoin loan options
Line of Credit or Fixed Term
Choose between two flexible Bitcoin-Backed Loan options designed for Australians. Go with a Bitcoin Line of Credit for up to 12 months, giving you the freedom to borrow and repay on your schedule, or a Fixed Term Bitcoin-Backed Loan for 3–5 years with predictable monthly repayments.
- Line of Credit rate of 9.50% (11.93% comparison rate*)
- Fixed Term rate of 11.50% (12.17% comparison rate*)
- Open one loan per asset for each loan type: Line of Credit & Fixed Term
- No lock-ins or early repayment fees
Avoiding Bitcoin sell-offs
If your BTC loan goes into default, natural-person borrowers have 30 days to repay AUD or add BTC 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 BTC security to bring your LVR back to 55%. Here’s why Australians trust Block Earner loans:
Fireblocks security
Your Bitcoin is held in Fireblocks custody, with whitelisted wallets and multi-signature security.
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 Bitcoin security to maintain LVR health. Borrow more AUD if your BTC value grows. Apply to rollover.
Australia-based support
Speak directly with our Sydney team for fast, reliable assistance. Our experts are here for you.
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.
Why choose Block Earner?
Borrow while holding your BTC
Australians no longer need to sell their Bitcoin to fund businesses, buy homes, or take holidays. Tap into your Bitcoin wealth today with Australia’s best-in-class risk management tools, built to help keep your LVR healthy.
- Default Notice at 55% LVR gives 30 days to restore LVR if needed
- Avoid Bitcoin sell-offs, temporary dips won’t trigger action
- Australian Credit Licensed (ACL) authorised representative
- Add BTC or repay in AUD to manage LVR health
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
Download Loans Guide
Award-winning Bitcoin loans
As an Australian Credit Licence authorised representative, Block Earner provides Bitcoin lending in Australia with user-friendly in app loan-to-value (LVR) management. Download our loans guide or book a call to learn more.
WeMoney Winner
2024 Lending
Innovation Of The Year*
How to borrow AUD using Bitcoin?
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 Bitcoin loan status.
You can use BTC or repay in AUD to maintain a healthy LVR. You can repay your Bitcoin-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 BTC 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 BTC exposure
Keep your exposure to Bitcoin 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 security
- 2.
Get Approved
Pre-approval is available before sending BTC for your loan
- 3.
Receive AUD
Receive AUD directly to your bank account within 24 hours*
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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.