INSTANT CRYPTO CREDIT LINES

Get Funds Instantly. Keep Your Crypto.

Borrow without selling your crypto at rates starting from 0% APR. Just top up and your credit line is immediately available.

Check symbol Instant approval, no credit checks
Check symbol No origination fees
Check symbol No monthly repayments
Check symbol Available from $50 up to $2M
Rated Excellent on
Insurance on custodial assets by
 
 
Real-time audit by

Why Borrow with Nexo

Get as much or as little as you want, whenever you want with the most flexible crypto credit line out there.

Industry-Leading Rates
Enjoy our market-leading interest rates starting from just 0% APR.
Instant Approval
You are approved within seconds and you get the funds within 24 hours in most cases.
40+ Currencies
Select from more than 40 fiat currencies or borrow instantly using USDT or USDC.
Backed by Multiple Assets
Convert not just one, but all your crypto assets into fiat or stablecoins instantly.
No Installments
Pay off your balance partially or fully when you want with no fixed payment schedule.
Easy Repayment
Choose between fiat, crypto, or a combination of both to repay your credit line.

$7B+ Issued in credit
since 2018

5М+ Nexo users
worldwide

40+ Supported
fiat currencies

200+ Available
jurisdictions

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.

Borrow stablecoins and fiat from just 0% APR

Not a Conventional Loan. But a Smart Credit Line.

Instant Crypto
Credit Lines
Conventional
Loans
Opportunity to grow
your portfolio
https://nexo.io/media/pages/storage/images/3259bd5b2e-1631610939/icon-green-tick.svg
https://nexo.io/media/pages/storage/images/95e4ba1043-1631610939/icon-cross-no-bg.svg
Lower interest rates
https://nexo.io/media/pages/storage/images/3259bd5b2e-1631610939/icon-green-tick.svg
https://nexo.io/media/pages/storage/images/95e4ba1043-1631610939/icon-cross-no-bg.svg
No origination fees
https://nexo.io/media/pages/storage/images/3259bd5b2e-1631610939/icon-green-tick.svg
https://nexo.io/media/pages/storage/images/95e4ba1043-1631610939/icon-cross-no-bg.svg
Tax-efficiency
https://nexo.io/media/pages/storage/images/3259bd5b2e-1631610939/icon-green-tick.svg
https://nexo.io/media/pages/storage/images/95e4ba1043-1631610939/icon-cross-no-bg.svg
Instant approval
https://nexo.io/media/pages/storage/images/3259bd5b2e-1631610939/icon-green-tick.svg
https://nexo.io/media/pages/storage/images/95e4ba1043-1631610939/icon-cross-no-bg.svg
No paperwork to fill
https://nexo.io/media/pages/storage/images/3259bd5b2e-1631610939/icon-green-tick.svg
https://nexo.io/media/pages/storage/images/95e4ba1043-1631610939/icon-cross-no-bg.svg
No monthly repayments
https://nexo.io/media/pages/storage/images/3259bd5b2e-1631610939/icon-green-tick.svg
https://nexo.io/media/pages/storage/images/95e4ba1043-1631610939/icon-cross-no-bg.svg
No impact on credit score
https://nexo.io/media/pages/storage/images/3259bd5b2e-1631610939/icon-green-tick.svg
https://nexo.io/media/pages/storage/images/95e4ba1043-1631610939/icon-cross-no-bg.svg

See How Much You Can Borrow

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

How to Get Started

It’s the best experience you’ve ever had with obtaining funds. All you have to do is:
Click on the "Top Up" button. Copy the top-up address and transfer the assets you wish to use as collateral.
Once you top up, you will be able to borrow immediately with no credit checks. Your available limit will be calculated depending on the value of your assets.
Withdraw cash or stablecoins without any delays. You will be charged interest only on the amount you actually borrow.

Borrow & Get Up to 3x More Crypto

The Nexo Booster offers a quick way to increase your purchasing power, using funds that exceed your balance. Buy up to 3 times more of the coins you want, using your newly-acquired assets as collateral for a crypto-backed credit.

Learn more

Supported Assets

Choose from 60+ collateral options and 40+ fiat currencies and stablecoins to borrow in.

Bitcoin

50% LTV

Ethereum

50% LTV

NEXO Token

15% LTV

Tether

90% LTV

USD Coin

90% LTV

Binance USD

90% LTV

DAI

90% LTV

Pax Dollar

90% LTV

TrueUSD

90% LTV

PAX Gold

70% LTV

Axie Infinity

33% LTV

Avalanche

33% LTV

Kusama

33% LTV

Cosmos

33% LTV

NEAR Protocol

33% LTV

THORChain

33% LTV

Fantom

33% LTV

Polygon

33% LTV

Optimism

33% LTV

Polkadot

30% LTV

BNB

30% LTV

Solana

30% LTV

Cardano

30% LTV

GMX

30% LTV

XRP

30% LTV

Litecoin

30% LTV

Bitcoin Cash

30% LTV

Stellar

30% LTV

Tron

30% LTV

EOS

30% LTV

Chainlink

30% LTV

Aave

30% LTV

Dogecoin

30% LTV

Uniswap

30% LTV

Decentraland

30% LTV

The Sandbox

30% LTV

SushiSwap

30% LTV

dYdX

30% LTV

Curve DAO

30% LTV

Lido DAO

30% LTV

Maker

30% LTV

Chiliz

30% LTV

1inch Network

30% LTV

Ethereum Name Service

30% LTV

Frax Share

30% LTV

STEPN

30% LTV

Compound

30% LTV

Convex Finance

30% LTV

Synthetix

30% LTV

Osmosis

30% LTV

Balancer

30% LTV

Kyber Network

30% LTV

yearn.finance

30% LTV

Basic Attention Token

30% LTV

Enjin Coin

30% LTV

Pancake Swap

30% LTV

The Graph

30% LTV

ApeCoin

25% LTV

Gala

25% LTV

Huobi Token

25% LTV

Aptos

15% LTV

Sweat Economy

10% LTV

Borrow in 40+ currencies

Start Borrowing

US Dollar

Borrow

Euro

Borrow

British Pound

Borrow

Tether

Borrow

USD Coin

Borrow

40+ more fiat currencies

Protecting You Even Under Extreme Market Conditions

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

Margin Calls

If your collateral starts to depreciate, our Nexo blockchain oracle will send you an email encouraging you to partially repay your crypto credit 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 credit line 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 credit repayments – just enough to fill the gap.

How to Best Utilize Your Credit Line

With a minimum of $50 and a maximum of $2M, Nexo is here to help you afford the necessities and luxuries you are thinking about.

Make a Major Purchase

Leverage your crypto and put the cash towards a major expense like renovating your home, buying a new car, or funding your education. Or why not spoil yourself and book that lavish trip you dream of?

Optimize Your Taxes

When using your Instant Crypto Credit Line and spending your available credit, you don't trigger a taxable event, which you otherwise may do when selling your digital assets.

Buy More Crypto

By collateralizing your existing crypto, you can invest in a variety of digital assets and earn interest or trade them. You can even purchase traditional assets like stocks, gold, or real estate.

Invest in Your Business

Grow your company without giving up on your crypto holdings. Cover operational expenses, pay employees on time, or invest in that once-in-a-lifetime business opportunity.

Don’t Just Take Our Word for It

FAQs

How do Nexo’s Instant Crypto Credit Lines work?

How quickly do I get my money?

What is the interest rate?

What is loan-to-value (LTV)?

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

How does Nexo keep my collateral safe?

Can't see your question answered above?
Visit our Help Center

More Ways to Get the Best Out of Nexo

Our products are even more powerful when used together.

Borrow Against Your Crypto from Just 0% APR

Open your Nexo account right now and monetize your digital assets within minutes.