Instant Ethereum Credit Lines™

Borrow Against
Your Ethereum at
0% APR

Borrow cash or stablecoins backed by your ETH from 0% APR. Just top up Ether and your credit line is instantly available.

No origination fees
No monthly repayments
No credit checks
Available from $50 to $2M

Why Borrow with Nexo

With Nexo, you can borrow funds and hold your Ether to see it grow over time.

Lower Interest Rates
Borrow from as low as 0% APR with rates never exceeding 13.9% per annum.
Automatic Approval
Your credit line is available right after top up - no banking history or credit checks required.
Same-Day Transfer
Receive funds almost instantly in stablecoins or within 24 hours with a local bank transfer in fiat.
Multi-Asset Credit Line
Use as many cryptocurrencies for collateral as you’d like to secure your credit line.
No Monthly Installments
Scrap all monthly installments, so you can borrow and repay in your own time and on your own terms.
Flexible Repayments
You are free to choose how you repay your credit line – in fiat, in crypto, or by combining both.

$6B+ Issued
in credit

3М+ Nexo users

40+ Supported
fiat currencies

200+ Available

Borrow at Just 0% APR

Get premium rates of just 0%-1.9% by becoming a Gold or Platinum client and keeping your LTV below 20%. It’s a flexible option, so you can switch between premium rates and our standard offering.

Simply Better Than Traditional Loans

Instant Ethereum
Credit Lines™
Possibility to grow
your portfolio
Superior interest rates
No origination fees
Automatic approval
No documents to fill
No monthly repayments
No impact on your credit score

See What You Can Borrow

Enter the amount you’d like to borrow to find out how much Ethereum is required as collateral.

How to Borrow Against Your Ether

There’s nothing easier than opening an Instant Ethereum Credit LineTM with Nexo. All you have to do is:
Click on the "Top Up" button. Copy the top-up address and transfer the ETH you wish to use as collateral.
Once you top up, you will be able to borrow instantly against your ETH with no credit checks. Your available limit will be calculated depending on the value of your Ether.
Withdraw cash or stablecoins immediately. You will be charged interest only on the amount you actually withdraw.

Supported Assets

It’s not just ETH - choose from 20+ assets to use as collateral and 40+ currencies to borrow in.


Credit Line


Credit Line

NEXO Token

Credit Line


Credit Line

USD Coin

Credit Line


Credit Line


Credit Line


Credit Line

Axie Infinity

Credit Line


Credit Line


Credit Line


Credit Line


Credit Line


Credit Line


Credit Line


Credit Line


Credit Line

Bitcoin Cash

Credit Line


Credit Line


Credit Line


Credit Line

PAX Gold

Credit Line


Credit Line


Credit Line


Credit Line

Pax Dollar

Credit Line


Credit Line

Borrow in
40+ currencies

Start Borrowing

US Dollar




British Pounds




USD Coin


40+ more fiat currencies

Protecting You Even Under Extreme Market Conditions

Nexo provides you with the cutting-edge tools to monitor your credit line health and preserve the value of your ETH collateral even in a market downturn.

Margin Calls

If your collateral starts to depreciate, our Nexo blockchain oracle will send you an SMS and email encouraging you to partially repay your loan or add extra collateral.

Collateral Transfer

In case you don’t take any action, the blockchain oracle will automatically transfer assets from your Savings Wallet to your Credit Wallet to keep your loan health in check.

Automatic Repayments

And if you don’t have assets in your Savings Wallet, the Nexo blockchain oracle will use portions of your collateral to initiate automatic loan repayments – just enough to fill the gap.

How to Take Advantage of Your Ethereum Credit Line

There is no limit on the ways you can utilize your credit line. But here are a few options for you to consider.

Make a Big Buy

Time to buy that new house, replace your old car, or invest in your education? No matter what is the major purchase you have on the horizon, we’ve got you covered.

Lower Your Tax Bill

When you take an Instant Ethereum Credit LineTM and spend it, you avoid paying capital gains taxes, which you otherwise may have to pay in many countries when selling your Ether.

Purchase More Assets

By using your Ether as collateral, you can invest in other coins and earn interest on them. Or you can even obtain traditional assets like stocks, gold, or real estate.

Expand Your Business

Grow your company without selling your Ethereum. Pay your employees on time, cover operational expenses, or invest in that once-in-a-lifetime business opportunity.

Don’t Just Take Our Word for It

Took another loan from @NexoFinance , this time in EUR. Accepted and processed in one minute. Now it's only up to the banks wiring that fiat. I wish every service was so smooth and easy. $NEXO
After understanding the credit loan availability against my collateral I decided to take out my first credit. It was the fastest credit I have ever received. After 10 minutes I got my USDT in my other account. WIN=WIN situation for both parties. This is a must-have service!
Hey, @elonmusk I bet you didn’t know that many are able to buy your awesome cars thanks to @NexoFinance – I really think they deserve your attention by tagging them. Thank you for being among us. Holding my crypto and buying the best car #Nexo $Nexo #Tesla )
Thank you so much for everything Nexo. My life has changed for the better ever since I discovered your platform. Soon after I deposited my crypto assets, my dog got ill and needed surgery which I was able to pay for with a Nexo loan. Thank you, guys! ♥️
Easy to use app. Credit line facility is great. Interest earned on crypto assets whilst in the wallet. Simple to use exchange. Strong focus on positive customer and investor outcomes. I've been with Nexo since the ICO, watching it grow from strength to strength!
I checked some of the other alternatives as well, but UX/UI-wise, Nexo seemed to be the most straightforward. My first thought at that time was “wow, this is the Apple of lending platforms”.
Better interest rates than any traditional bank. Loans on demand that don't hurt your credit. Deposits in over a dozen cryptocurrencies and fiat currencies. Interest payments every day. Nexo is the best place you can keep your money right now.
Nexo has helped me and has also taught me not only how crypto works, but how to make it work for me and be able to make money and save at the same time. I've acquired a new car, my own house and am financially stable thanks to starting Nexo.
I was planning on attending university here in the US, but I didn't have enough cash for tuition. I had the option to sell my BTC, but found out about Nexo's crypto credits service instead. Got to attend college WHILE hodling my BTC. Thanks, Nexo!
I put up some crypto collateral that I was going to HODL anyway and for liquidity, I was able to take out a loan in just a few minutes and I can see my daily interest ahead of time before completing the transaction. I have never had an easier experience!
I'm going on my 62nd birthday and I will be able to retire pretty soon because of Nexo! How sweet is that? I borrowed against my crypto and now I'm earning interest every day!!! I will play more golf and will definitely embroider the Nexo logo on my golf bag!!!


How do Nexo’s Instant Ethereum Credit Lines™ work?

Unlike a traditional loan that takes your credit score into account, Nexo offers ETH-backed credit lines where your Ethereum acts as collateral. Put simply, we give you fiat or stablecoins, and you provide Ether as security for repayment.

Once you top up, you can immediately get cash from your credit line by:

  • Withdrawing fiat straight to your bank account. You can choose between 40+ currencies.
  • Withdrawing USDT or USDC to your Nexo account or another compatible address.

To open a credit line, you need to:

  1. Open the Nexo platform or the Nexo Wallet App.
  2. Top up crypto assets and complete verification.
  3. Tap the “Borrow” button in your Nexo Wallet to withdraw cash or stablecoins instantly.

Note: Due to anti-money laundering regulations, you can only use stablecoins to cover 50% of the collateral required for fiat credit. The other half of the required collateral must comprise crypto assets (e.g., BTC, ETH, etc.).

You may also need to provide supporting documents to prove the origin of your funds.

Visit our help center for more detailed information.

How quickly do I get my money?

The Nexo Ethereum-backed credit lines are instant and guaranteed, you will receive your funds on the same or the next day.

The processing time is as follows:

  • Local transfers: 1 business day
  • International transfer: 3 to 5 business days
  • USDT (Tether) and USDC (USD Coin): usually takes no longer than half an hour before you receive the funds.

What is the interest rate?

Your interest rate depends on your Loyalty Tier which is determined by the ratio between the value of your NEXO Tokens and the total value of your portfolio:

  • Base: No NEXO Tokens are needed; interest on your outstanding credit line balance is 13.9%.
  • Silver: At least 1% of the Portfolio Balance in your account must comprise NEXO Tokens; interest on your outstanding credit line balance is 12.9%.
  • Gold: At least 5% of the Portfolio Balance in your account must comprise NEXO Tokens; interest on your outstanding credit line balance is 8.9% if your LTV is above 20% and 1.9% if your LTV is below or equal to 20%.
  • Platinum: At least 10% of the Portfolio Balance in your account must comprise NEXO Tokens; interest on your outstanding credit line balance is 6.9% if your LTV is above 20% and 0% if your LTV is below or equal to 20%.

To learn more about how our Loyalty Program works, click here.

What is loan-to-value (LTV)?

A credit line’s loan-to-value (LTV) ratio determines the amount of crypto collateral you need in order to take out a loan.

LTV is calculated as the ratio between the loan amount in USD and the value of the collateral in USD, expressed as a percentage.


Loan amount: $5,000

Value of collateral: $10,000

LTV (%) = ($5,000/$10,000)*100% = 50.0%

For exact LTV on each digital asset, visit our help center.

What if the value of Ethereum changes before I repay my credit line?

If your collateral's value increases, your credit line limit also goes up. You’re free to withdraw more or leave your current credit line as is.

You can also use the extra value of your Ethereum to pay off part of your loan. If your assets have met your price target, then you can:

  • Place an order in your Nexo Wallet to sell a fraction of the ETH assets in your account.
  • Repay part or all of your outstanding balance.

The transaction is performed without any additional fees on Nexo’s part. Any resulting charges are fees from the exchange that facilitated the trade.

If your collateralized Ethereum decreases in value your loan-to-value ratio (LTV) will rise. You will receive a minimum of three margin calls (via SMS and email) when the LTV increases to 71.4%, 74.1%, and 76.9%.

If the value of your collateral continues to drop and your LTV reaches the 83.33% mark, the Nexo blockchain oracle may initiate partial automatic loan repayments to rebalance the loan-to-value ratio back within limits. The blockchain oracle will sell as little as possible, so you retain as much of your Ethereum as possible.

To avoid this scenario, top up more assets and enable our Automatic Collateral Transfer feature, allowing the Nexo blockchain oracle to automatically transfer a small portion of your assets from the Savings Wallet to the Credit Line Wallet, thus keeping your credit line health in check.

How does Nexo keep my Ethereum safe?

Nexo is raising the bar for the entire blockchain space by utilizing the most rigorous KYC and AML policies, impeccable risk assessment, data protection, and state-of-the-art cybersecurity.

We keep your Ethereum safe through our multifaceted approach to security, including:

  • Military-grade 256-bit encryption and fraud monitoring mechanisms for your Nexo account.
  • Bank-grade cold storage in Class III vaults through leading blockchain custodians, including BitGo, Ledger Vault, and others.
  • $375M insurance from our custodial partners via Lloyd’s of London and Marsh & Arch.
  • ISO/IEC 27001:2013 certificate guaranteeing Nexo’s security infrastructure is of the highest standard.

You can learn more about our security and insurance here.

Can't see your question listed above?
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