The Top Crypto Lending Platforms 2022

crypto loan companies

One way to earn passive income is through crypto lending. These passive income streams can also be generated by a variety of cryptocurrency lending platforms. Your priorities will determine which platform you use. You may want to earn high interest or pay low fees.

These seven cryptocurrency lending platforms are able to offer high interest rates for your investments. They are listed in no particular order.

How to choose Crypto Lending platforms

There are many things to consider when choosing a lending platform. These are the main considerations.

  • Interest rates: You can choose a platform according the interest rate of a specific coin on that platform.
  • Platform risks – Take a look to see the track record of the platform for a better understanding.
  • Fees: Compare the costs of different platforms to obtain different coins.
  • Deposit limit – Seek out the minimum deposit amount.
  • Lending Time – Find out if it is possible to fix it.
  • Collateral: You can compare the amount that you need to get a loan amount from different platforms.

You must choose the right cryptocurrency platform. Binance may be a better choice for Bitcoin lending than Binance.

You don’t have to lend all your cryptos on one platform. To find out where your crypto can make better returns, explore other platforms.

Borrowers are advised to look at other platforms in order to compare interest rates for crypto assets.

Let’s take now a look at the best cryptocurrency lending sites.

The Best Crypto Lending Platforms

There are many options for crypto lending today. There are many options available, but not all are the same.

When selecting one, security should be a top consideration. Third-party crypto platforms require that users protect their assets. This makes hacking and privacy breaches a serious concern. It is important to look into security features like encryption and multifactor authentication.

The interest rates are another important aspect to take into consideration. While lenders may be more comfortable with high interest rates, borrowers who wish to lower their rates and pay less can do so by choosing low rates.

Flexibility is the key feature of the best cryptocurrency lending platform. You can access many currencies, including bitcoin and ether (ETH), through the platform. The platform also offers a variety of financial services, including loan amounts and other financial products.

Other important features to look for in a loan platform include low fees, flexible loan period and no deposit limits (which limit how many lenders can deposit at one time).

This is why we have created a list highlighting the best cryptocurrency lending sites.


Website: CoinRabbit offers the fastest and most simple solution to crypto lending. CoinRabbit is the most user-friendly and does not require KYC (you only need to provide your email address in order to create an account). It’s the best choice for experts and beginners who value time.

CoinRabbit takes security seriously, even though the client funds are simple. Multiple security checks and AML check are performed. The funds will be separated withdrawn to cold wallets once they are received. Additional protection is available for your account via 2FA.

You will receive a 1.2% APR per Month. There are no withdrawal charges and your loan can be repaid in any amount you wish. CoinRabbit gives you the freedom to lower your liquidation price as much or as little as you want.

CoinRabbit is a simple and fast way to generate passive income. Fixed 10% APY with no additional conditions is the best in the market. The interest is paid each day and you can decide when to withdraw your earnings.

Despite its youth the service is quickly gaining momentum.



BlockFi is a cryptocurrency trading website that offers loans in crypto. It allows both investors as well as borrowers to borrow assets. Investors and borrowers also receive interest on the investments. BlockFi is a platform for lending that offers a high yielding platform with an annual percentage return of up to 7.5% (APY).

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Tiered systems pay interest rates. Rates will vary depending upon the asset being lent. Stablecoins tend to be more attractive than other assets. If you don’t understand what stablecoins really are, then learn more about them and see how Tether works.

In order to be eligible, you must sign up for a BlockFi income account (BIA) Account holders earn interest every month at the beginning each month. Before you participate in crypto lending it is important that you understand what crypto lending means.



Security is paramount.

  • Tokens support: All major tokens, and many other cryptocurrency
  • Platform fees
  • Other benefits include no deposit limits and competitive rates

Nexo is able to support over 20 currencies as well as 200 jurisdictions. It makes borrowing easier by offering crypto loans up to $50 Nexo’s security is what sets it apart. Here are the features available:

  • Cold Storage All funds of Nexo are kept in cold storage. They are thus offline and protected from hackers.
  • Insurance. Insurance. Insurance can be purchased for all accounts up to $375 Million. This will protect the users in case of a breach.
  • Daily payouts Loanors can withdraw funds daily if they so choose. This makes lending more flexible.
  • Multi-Fiat Currency Support Nexo lets you borrow more money anywhere in the world, as it supports multiple fiat currencies.

This platform is among the most flexible and secure crypto lending platforms. It is better for lenders than it for borrowers.



One of the most important functions of crypto SpectroCoin is crypto loans.

You can choose between 25 to 75% LTV depending on the currency. SpectroCoin gives you the option to use DASH or ETH as collateral. BTC & ETH have the highest LTV. Higher LTVs will lead to lower interest rates and loan amounts.

Withdrawals of EUR or USDT are permitted. The best part about SpectroCoin is the flexibility of its loans. You can get as little as 25 EUR and as much money as you want.

All loans have a maximum term limit of one year. If you need to extend your term, you can do so at higher rates. You have the option of paying the loan anytime you want, even though interest is charged monthly.



Celsius, a US-based crypto lending platform, allows users borrow, lend and then transfer cryptocurrency assets at zero fees. It also has one of the highest interest rates in this space.

Celsius charges an astonishing 17% interest on digital assets. This rate varies depending on which asset is being rented. The rates are usually higher on digital assets than on other platforms. Celsius’ native CEL tokens will earn an additional 25%.

Lenders receive payment weekly. To find out how much interest there is based on your asset, check the calculator before you invest.

This lender is now bankrupt due to the huge crypto crash. You can read more .


It is better to use multiple currencies.

  • Tokens Supported: All major tokens and more than 100 smaller currencies
  • Platform Fees
  • Other Perks

Binance may be familiar to beginners, as it is the most popular crypto exchange worldwide. Its loan program supports more crypto currencies than any other and is equally extensive. Additional benefits include:

  • Two Lending Types. Users can choose between fixed deposits or flexible deposits. This gives them more flexibility.
  • Flexible interest rates Flexible Interest Rates
  • Instant Loans Binance do not require users verify their identity. As soon as an account is opened, they can lend or borrow.
  • High Usability. Binance can be used on any platform, Windows or Mac.

Binance supports all major cryptocurrency, but it does not accept fiat currencies. There is a withdrawal limit, but many alternative currencies don’t have any restrictions.

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YouHolder is a tool that can be used for many purposes related to cryptocurrency. YouHolder can be used to store, trade, and even pay for services and goods. It can also be used to generate passive income.

YouHolder offers an up to 12% APY on deposits of crypto-currencies or stablecoins. Bitcoin (BTC), Pax Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold (PAXG), USD Coins USDC, True USD and many others are supported assets. YouHolder offers stablecoins with the highest rates, much like BlockFi, but it does not offer a tiered model.



Nebeus has all you need for crypto platforms. Nebeus offers a complete platform for trading, borrowing and earning, trading, and even insuring crypto.

Four earning programs provide the best rates for crypto rental. Rent stablecoin to get 12.85% interest per month, or crypto to earn 6.5%. You can withdraw your gains within 24 hours or get paid.

Nebeus excels in crypto-backed loans and has a high earning rate. There are two options available for users to meet their needs. Quick loans are great for small daily expenses and offer 0% interest. Flexible loans can be tailored to meet more specific needs. However, flexible loans have flexible terms and up to 80% LTV.

The best part is that loans carry zero risk. A 10-day buffer and Automatic Margin call Management can help protect you against margin calls. Nebeus will also store your crypto collateral in separate cold-storage accounts. These accounts can be insured up to $100 million by Lloyd’s of London.

Nebeus is an excellent platform that will meet all of your crypto requirements. is a cryptocurrency exchange that offers crypto-lending. It allows users to rent their digital assets and earn interest. Rent your assets up to 14.5%. This includes more that 40 cryptocurrencies as well as stabilitycoins.

Like other cryptocurrency lending platforms you can calculate the interest rate by choosing the cryptocurrency that you prefer. Polygon and Polkadot currently have 12.5% interest rates.

Register at to be verified. To start making monthly income, deposit your funds at

Unchained Capital


Unchained Capital provides a service that allows you to monitor your assets and has dedicated collateral addresses. You can get an APR of 12-18% for between 3 to 60 months. The site doesn’t conduct credit checks. The website charges interest rates that vary by state.

The site doesn’t offer loans in BTC/ETH. The company offers loans at a ratio of 35-50%.




This is the best choice for users who value trust and transparency.

  • Tokens Accepted: All major tokens, as well some smaller currencies
  • None
  • Other Perks

CoinLoan has existed since the inception of this site. It does not charge withdrawal fees or deposit fees and has an intuitive interface. It also offers:

  • Comparing rates. To see how competitive rates might be, you can compare rates from different websites.
  • High security. CoinLoan places security as a top priority. They offer MFA, insurance, cold storage, and CCSS compliance.
  • Flexible loan terms. Both the borrowers and lenders decide their terms. This includes the loan amount, interest rates, repayment options, and length.
  • Accessibility. CoinLoan’s accessibility and ease of use are made possible by its app for mobile, an easy signup process, and an intuitive interface.

CoinLoan needs a $100 minimum deposit. It also has a small userbase that limits its usefulness. CoinLoan has many other features that make up the difference.



MakerDAO has developed a cryptocurrency called “Dai.” This currency can be used any time, anywhere. A Maker vault allows you to deposit up 25+ cryptocurrency assets to serve as collateral. You have two options after you’ve secured your crypto asset. You can either borrow Dai, or you can keep it.

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Makers have built an entire ecosystem of Dai services and apps. Many apps are available that will help you acquire, hold, use, accept, and manage Dai. Sandbox is a popular Game on the Maker protocol.

Make sure to connect your cryptocurrency wallet with Maker. The platform allows you to trade, borrow, deposit and deposit crypto.



The popular crypto protocol for lending or borrowing is called Compound. This protocol allows you deposit and borrow any listed cryptocurrency. Compound also provides its own COMP token. This allows you to make better returns and lend cryptos to the platform for liquidity.

Its security is outstanding, so you can count on it to protect your assets. Compound allows you to access a live price feed. This will allow you to monitor the current prices as well as any liquidity changes. Each 24 hour, you can withdraw or deposit funds from your account.

Compound also offers many other tools, products and solutions to the Decentralized Finance (DeFi), ecosystem. Compound Protocol allows integration of multiple interfaces.



Vignesh Sundersan created Lendroid in 2017. It is a blockchain-based platform that provides global, unopinionated credit. It addresses inefficient risk management issues such as hidden collateral risk, poor transparency, high loan maintenances, etc.

Lendroid’s mission is to be an antifragile platform that is transparent and predictable, without allowing liabilities to be carried forward. In February 2018, Lendroid held a successful TGE. It was cap at 50,000. Reloanr can be described as a proof of principle decentralized application. Vyper is the smart contract language that it currently uses. Version 1 was launched by Lendroid’s mainnet in August 2019.



AAVE, which is a decentralized liquidity protocols, is well-known. It’s a non-custodial protocol that allows you to borrow funds and earn interest by staking your assets. AAVE, a well-developed liquidity protocol has more features than borrowing or lending crypto assets.

AAVEA The platform offers users the ability to borrow or deposit funds. We have also included them in order to help you compare the different rates of borrowing and deposit.

AAVE Protocol is comprised of many concepts, including Flash Loans, Bug Bounty, and other. If you report a bug to the developers, you can earn up to $250,000 USDC tokens. This is certainly worth looking into.

SALT Lending


SALT Lending allows you to deposit cash directly into your bank accounts using a blockchain-backed lending platform. With more than 50 million loans processed and 30 lending jurisdictions, the platform has been used by 64,000 people.


Unfortunately, SALT doesn’t allow for many cryptocurrencies as collateral. The loan-to value ratio can reach as low as 60 percent.

Which Crypto Lending Platform should be used?

All the mentioned crypto lending platforms offer higher interest rates than other platforms in the industry. One platform may be more appealing to you than the other. Nebeus and CoinLoan might be more appealing to your needs if you’re more concerned about protecting your assets. Nexo might be the best option if you want to earn the most.


Coinbase may not be on this list. Coinbase was originally going to offer credit service but it was blocked from the Securities and Exchange Commission.

There are many crypto lending platforms that can meet your needs. You have the option to choose between transparency, security, profit, or low interest rates.

These are just some of the many options. This page will help to find the best platform for crypto lending. Once you’re done, select a crypto wallet that will keep your funds secure. You can then enjoy the full range crypto-related benefits.



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