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What are Unchained loan terms?

The maximum term length is 360 days and the minimum loan amount is $10,000.*

Note: As of January 1, 2024, Unchained does not originate consumer loans and will only originate loans to entities (such as LLCs and corporations) with stated business/investment purposes.

For every $1 borrowed, $2.50 of bitcoin will be deposited as collateral (40% LTV).

LTV = Loan Principal ÷ Value of Collateral


Interest Rate

Origination Fee


180 days




360 days





Note: The origination fee is deducted from the principal amount of the loan and the remainder is disbursed to the borrower's bank account on file and varies based on term length. Term lengths between 90 and 360 days in 30-day increments can be requested (e.g. a 270 day loan term). Available rates and terms may vary. 

*In Oregon, the commercial minimum loan amount is $50,001. In New Jersey, the commercial minimum loan amount is $50,001. For all other minimum amounts by state, see state eligibility.