Get your own
crypto loan
Borrow now
Pay just the monthly interest with 95% LTV in stablecoins.
Pay monthly the interest and loan amount and enjoy more customisation.
Pay once at the end of the term to cover the amount you borrowed plus interest.
Pay monthly only the interest. The amount you borrowed is settled in your final payment.
Nebeus matches your BTC deposit, using the initial and new bitcoin as collateral to double your position.
StableLoanPay just the monthly interest with 95% LTV in stablecoins.
FlexiblePay monthly the interest and loan amount and enjoy more customisation.
BulletPay once at the end of the term to cover the amount you borrowed plus interest.
Interest onlyPay monthly only the interest. The amount you borrowed is settled in your final payment.
MirrorNebeus matches your BTC deposit, using the initial and new bitcoin as collateral to double your position.
We bring you the
broadest loan offer ever
Pay just the monthly interest with 95% LTV in stablecoins.
Pay monthly the interest and loan amount and enjoy more customisation.
Pay once at the end of the term to cover the amount you borrowed plus interest.
Pay monthly only the interest. The amount you borrowed is settled in your final payment.
Nebeus matches your BTC deposit, using the initial and new bitcoin as collateral to double your position.
Nebeus monitors market volatility
and automatically replenishes loan collateral from your main Nebeus account when approaching a margin call
Why Nebeus
Lending
since 2014
Nebeus was founded in 2014 and is of the oldest cryptocurrency apps in the world, focusing on crypto backed lending.
Nebeus is registered with the Bank of Spain as a virtual asset exchange service provider and cryptocurrency custodian.
Loan collateral (Crypto holdings) are safeguarded by Bitgo, one of the largest custodians in the world, with $64B of assets under custody.
Loan collateral (Crypto holdings) are insured with a $250M policy by a syndicate of insurers of Lloyd’s of London.
Expert Loan Guidance
Connect with a specialist to navigate your loan process and clarify any doubts
Use cases
Questions
answered
Crypto loans let you borrow cash without selling your crypto. Instead, you lock your crypto as collateral, and in return, you receive a loan in euros, pounds, dollars, or stablecoins.
You keep ownership of your crypto—and once the loan is repaid, your assets are returned to you.
LTV (Loan-to-Value) is the ratio between the value of your crypto collateral and the amount of money you borrow.
It’s a simple formula:
Loan Amount = Collateral Value × LTV
For example:
● If you deposit $10,000 worth of BTC and choose an LTV of 70%, you'll get a $7,000 loan.
The interest rate is fixed for the entire loan term.
If the value drops too close to the loan amount (called the liquidation threshold), you’ll get a margin call — a reminder to add more collateral.
You’ll then have a 3-day window to add more collateral manually and stabilise the health of the loan
If you don’t act within 3 days, the collateral may be partially sold to protect the loan.
To avoid having to do this manually every time, you can activate Nebeus’ Automatic Margin Call Management. With this feature on, Nebeus will automatically top up your collateral using your available balance, so your loan stays stable without you needing to do anything.
Not at all.
Your crypto is the guarantee, so no credit checks are needed. Just verify your identity, and you’re good to go.
Once you’ve repaid the full loan (the principal and the interest), your collateral is automatically released and returned to your account.
That depends on the type of loan you choose:
● Flexible Loan:
You repay both interest and part of the principal each month.
● Interest-Only Loan:
You pay only interest each month, and the entire principal at the end of the term.
● Bullet Loan:
You don’t make any monthly payments. Instead, you pay both interest and principal in one single payment at the end of the term.
Repayments are made from your Nebeus balance in the same currency you borrowed. You can top up your account anytime before a payment is due.
Yes! Businesses can apply for loans using crypto as collateral.
We offer tailored solutions for companies looking to:
● Unlock liquidity from crypto reserves
● Manage cash flow without selling digital assets
● Access stable currencies
Learn more and contact us directly on our Business Loans page.
We’re regulated & authorized
Nebeus (Rintral Trading SL) is a company registered with the Bank of Spain under registration number D664 for custody services, sale, and purchase of digital assets.
Nebeus (Rintral Trading SL) is a company registered with the National Securities Commission in Argentina under registration number 93 as a Virtual Asset Service Provider (VASP).
Nebeus is a part of Money-4 Limited, a pioneering bank core developer specialized in blockchain integration.