Ledn offers flexible options to help you repay your loan in full. You can repay your loan using:
Your BTC loan collateral
Your USDC, USDT, or USAT Transaction Account balance
USD via ACH or wire transfer
You can repay your loan early without a prepayment penalty.
For information about paying only part of your outstanding balance, please refer to How Do Partial Loan Repayments Work?.
Important: Ledn will never automatically debit your bank account. All ACH and wire repayments must be initiated by you.
1. Repay Using BTC Collateral
You can sell the portion of the BTC collateral required to repay your outstanding loan balance. The repayment is processed instantly once authorized.
To repay using your collateral:
Log in to your Ledn account.
Go to the Loans page and select the loan you want to repay.
Click Repay.
Select Repay with your collateral.
Select Full.
Review the repayment information displayed.
Click Submit and authorize the repayment using your MFA method.
Before submitting, the platform will show:
The amount of BTC that will be sold
The applicable sell price
The outstanding balance being repaid
The BTC remaining after the repayment
Once authorized, the required amount of BTC will be sold, the outstanding balance will be repaid, and the loan will be closed. Any remaining BTC collateral will be returned to your BTC Transaction Account.
Important: Repayments using BTC collateral are final and cannot be reversed. Carefully review all repayment information before submitting.
Availability for U.S. Residents
The Repay with your collateral option is currently available in the following U.S. states:
Alaska, Alabama, Arizona, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nevada, New York, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia , Wisconsin, and Wyoming.
This list may change periodically, and Ledn cannot guarantee that a jurisdiction will remain eligible.
2. Repay via ACH or Wire Transfer
You can repay your loan by sending a USD payment from your bank account.
Payments must come from a bank account held under the same legal name as your Ledn account. For more information, please refer to Loan Disbursements and Repayments: Same-Name Bank Account Required.
Wire transfers must be sent in USD. Payments sent in another currency cannot be processed and may result in delays.
USD repayments can be made from U.S. bank accounts via ACH or wire transfer. Clients outside the United States must complete their repayment through an international wire transfer in USD.
How to Repay via ACH or Wire Transfer
Log in to your Ledn account.
Go to the Loans page and select the loan you want to repay.
Click Repay.
Select Wire Transfer as the payment method.
Use the banking details provided to initiate the payment from your bank.
Once the payment has been sent, confirm the full repayment in the platform.
After sending your payment, we recommend submitting your payment receipt or confirmation to our Client Success team. This helps us identify and apply your repayment more quickly.
Processing times may vary depending on your bank and can take up to five business days.
3. Repay Using Stablecoins
You can repay your loan using the USDC, USDT, or USAT available in your Transaction Account.
To repay using stablecoins:
Log in to your Ledn account.
Go to the Loans page and select the loan you want to repay.
Click Repay.
Select USDC, USDT, or USAT as your payment method.
Select the full repayment amount.
Review and confirm the repayment using your MFA method.
The funds will be deducted from your Transaction Account and applied to your loan almost instantly.
Ensure that your Transaction Account has a sufficient stablecoin balance before initiating the repayment. If necessary, refer to How do I deposit funds into my Transaction Account?
Important: Repayments are final and cannot be reversed. Always review the amount and repayment details before submitting.