Crypto loan and margin rates
Educational only, not financial advice. Rates change often and may differ for your account. We earn a commission from some links on this page. It doesn't change which rates we show or how they're ordered.
Crypto borrowing (DeFi)
| Provider / product | Rate | Type | Band | Max LTV | Min loan | As of / checked (CT) | History | Source |
|---|---|---|---|---|---|---|---|---|
| Morpho Blue cbBTC/USDC on Base (LLTV 86%) | 6.62% | APY (variable) | all | 86% | unavailable | As of Oct 31, 2026, 5:23 PM CT | source | |
| Morpho Blue cbBTC/USDC on Ethereum (LLTV 86%) | 6.51% | APY (variable) | all | 86% | unavailable | As of Oct 31, 2026, 5:23 PM CT | source | |
| Morpho Blue WBTC/USDC on Ethereum (LLTV 86%) | 6.10% | APY (variable) | all | 86% | unavailable | As of Oct 31, 2026, 5:11 PM CT | source | |
| Aave v3 USDC borrow, Ethereum Core market | 4.60% | APY (variable) | all | unavailable | unavailable | Checked at Oct 31, 2026, 5:23 PM CT | source |
Crypto lenders
| Provider / product | Rate | Type | Band | Max LTV | Min loan | As of / checked (CT) | History | Source |
|---|---|---|---|---|---|---|---|---|
| Coinbase BTC-backed USDC loan | unavailable | APR | unavailable | unavailable | Checked on [not yet checked] | source |
Margin
| Provider / product | Rate | Type | Band | Max LTV | Min loan | As of / checked (CT) | History | Source |
|---|---|---|---|---|---|---|---|---|
| Interactive Brokers IBKR Pro margin loan (USD) | 5.38% | APR (BM+spread 1.5%) | USD 0 ≤ 100,000 | unavailable | unavailable | Checked at Oct 31, 2026, 5:23 PM CT | source | |
| Interactive Brokers IBKR Pro margin loan (USD) | 4.88% | APR (BM+spread 1%) | USD 100,000 ≤ 1,000,000 | unavailable | unavailable | Checked at Oct 31, 2026, 5:23 PM CT | source | |
| Interactive Brokers IBKR Pro margin loan (USD) | 4.63% | APR (BM+spread 0.75%) | USD 1,000,000 ≤ 50,000,000 | unavailable | unavailable | Checked at Oct 31, 2026, 5:23 PM CT | source | |
| Interactive Brokers IBKR Pro margin loan (USD) | 4.38% | APR (BM+spread 0.5%) | USD 50,000,000 ≤ 250,000,000 | unavailable | unavailable | Checked at Oct 31, 2026, 5:23 PM CT | source | |
| Interactive Brokers IBKR Pro margin loan (USD) | 4.38% | APR (BM+spread 0.5%) | USD > 250,000,000 | unavailable | unavailable | Checked at Oct 31, 2026, 5:23 PM CT | source | |
| Robinhood Gold margin rate | unavailable | APR | unavailable | unavailable | Checked on [not yet checked] | source | ||
| Schwab Margin rate tiers | unavailable | APR | unavailable | unavailable | Checked on [not yet checked] | source | ||
| Fidelity Margin rate tiers | unavailable | APR | unavailable | unavailable | Checked on [not yet checked] | source |