What are tiered loan rates?
Ledn now offers four transparent pricing tiers for all Bitcoin-backed loans. Your interest rate is determined by your individual loan amount – the larger your loan, the lower your rate. Rates are displayed upfront on the platform so you always know exactly what you’ll pay before you apply. There are no hidden fees, no negotiations, and no surprises.
How are tiers determined?
Your tier is based on your individual loan amount at the time of application, refinance, or renewal. You can see the exact tier thresholds and corresponding rates directly on the Ledn platform using the loan calculator. As your borrowing needs grow, your rate drops automatically.
Do tiered rates apply to both Dollar Loans and B2X Loans?
Yes. Tiered pricing applies to all new loan applications, refinances, and renewals across both Dollar Loans and B2X Loans.
I have an existing loan. Can I get the new lower rate?
Your existing loan will maintain its current rate and terms until maturity. You have two options to access the new tiered rates:
Refinance your loan: If your loan is eligible for refinancing, the refinanced loan will use the current tiered rates based on your refinanced loan amount.
Wait for renewal: When your loan reaches maturity, renewal will automatically use the current tiered rates based on your renewal amount.
Both options calculate your tier based on the new or renewed loan amount, so you could potentially access a better rate tier than your original loan.
Can I consolidate multiple loans to qualify for a lower rate tier?
Yes. You can refinance multiple existing loans into a single new loan. The consolidated loan will use tiered pricing based on the total combined amount. For example:
Before: Two loans of $150K each (total $300K) at base rates
After: One $300K loan qualifying for a better pricing tier
To consolidate, contact support@ledn.io
How does this interact with my Referral Discount?
Your referral discounts are applied on top of your tier rate. This means you receive the maximum possible benefit by combining both.
Are tiered rates available globally?
Yes, tiered pricing is available in all jurisdictions where Ledn operates. Rate values may vary by jurisdiction to reflect local regulations and market conditions, but the transparent tiered structure is the same everywhere.
Does a lower rate mean my Bitcoin is less safe?
No. All tiered rates apply to Ledn’s Custodied Loan model. Your Bitcoin remains 1:1 custodied, never lent out for interest, and protected by 8 years of proven security. A better rate at Ledn never means higher risk.
Where can I see the current tiered rates?
You can view the current rates at any time on the Ledn platform by navigating to your Ledn dashboard or the loan calculator. You can also see them on our website at ledn.io.