Get your own
crypto loan

Crypto-backed loans are loans that you secure using your cryptocurrency investments as collateral. By using your crypto to get a loan, you maintain ownership of your digital assets while instantly borrowing Euros, British Pounds, US Dollars, or Stablecoins for any needs or expenses.

Nebeus offers two loan programs to its users, the Quick Loan and Flexible Loan, with different interest rates, loan limits, fees and repayment terms. To apply for a loan, users must first create a Nebeus account and have cryptocurrency in their Nebeus wallet. To apply for a loan, users should log in to their Nebeus account, go to Loans, and select the loan program that best suits their needs. They will need to enter the loan amount and confirm the loan details, including interest rates, monthly payments, and repayment terms. Once they accept the loan agreement, the loan amount will be transferred to their bank account.

You can choose to collateralize your Bitcoin or Ethereum and borrow up to 250,000 in FIAT currency or Stablecoins. Loan term could be as long as 36 months and you can choose your LTV ratio, bringing it up to 80%. The loan's interest rates and fees will adjust depending vary based on the LTV that you select. With Nebeus, you can tailor your crypto loan term and interest payments to your individual needs.

Once you sign up to Nebeus, either through the Nebeus appold or the desktop, you'll need to first verify your identity. Once your identity is verified and you've funded your account with the cryptocurrency you want to use as collateral for your loan, you can get a loan in less than 2 minutes. All you'll need to do is select your loan terms and accept the loan agreement, after which your loan will instantly appear in your relevant currency Nebeus account.

All crypto that is used as collateral for Nebeus crypto-backed loans is stored on segregated cold storage devices, kept in bank-grade Class III security vaults, and insured up to $100 Million by Lloyd's of London.

The Loan-to-Value (LTV) ratio refers to the percentage of the value of your collateral you will receive in a different asset (the loan amount). In the case of Nebeus, when you take out a loan, you will use your crypto as collateral and receive cash. The higher the loan-to-value ratio, the bigger the portion of the cash you will receive. How to calculate LTV Loan-to-Value Ratio. Examples: If you have $10,000 worth of BTC and apply for a cash loan with an 80% LTV, you will receive a balance of $8,000 cash. ($8,000=$10,000*.8) If you have $10,000 worth of BTC and apply for a cash loan with a 70% LTV, you will receive $7,000 cash. ($7,000=$10,000*.7)

Yes. Our Crypto-backed lending is available to meet the financial needs of any business. By using your business's cryptocurrency investments as collateral, you can obtain secure crypto-backed loans that come with advantageous terms and can be tailored to suit the requirements of businesses and accredited investors.

No. Rather than endure lengthy and difficult checks on your credit score as you would have to do if getting a traditional loan, borrowers can receive their loans in nearly no time. All you have to do is verify your identity by submitting some standard documents, and the entire verification process can be exceptionally swift, taking as little as 15 minutes.

Loan repayment (and pay interest) are due on a specific date of the month. Nebeus sends notification emails 1-3 days before the repayment date to remind users to have the required deposit amount in their account. After paying off the loan, the collateral assets will be credited to their account within 24 hours. Nebeus offers tools to help users stay updated on their loan's health status and offers a management option that will automatically manage the loan in case of a margin call. Users have a 10-day buffer if a margin call occurs, allowing them to add collateral or repay the loan.