Fixed-term loan
A fixed-term loan against your crypto. Your rate, locked in.
Borrow a set amount for 6 or 12 months at a rate that cannot change during the term. Pay interest monthly or at maturity, and repay early whenever you like, without a fee.
- Rate locked for 6 or 12 months
- Repay early at no cost
- Same rates as the credit line
- Zero fees, all-in APR
Your fixed-term loan
BTC €73,813
- APR, all-in
- 10.9%No fees
- Per month
- €227interest
- Margin call
- €52,723BTC −29%
- Liquidation
- €46,133BTC −38%
Paid by SEPA Instant · No sign-up to see your rate
- 6 or 12months, rate fixed for the term
- 6.9%APR from, locked in
- €0fees, early repayment included
- 72 hto act on a margin call
- < 1 htypical time to funds
What it costs
A fixed price for a fixed period.
Borrowing €25,000 against bitcoin, interest paid monthly. The cost of the whole term is known on day one.
| Loan-to-value | 6 months | 12 months |
|---|---|---|
| 30% 8.9% APR · €185.42 a month | €1,112.50 | €2,225.00 |
| 50% 10.9% APR · €227.08 a month | €1,362.50 | €2,725.00 |
| 60% 12.9% APR · €268.75 a month | €1,612.50 | €3,225.00 |
Simple interest, accrued daily: repay early and you pay only the days used. Bitcoin pledged at today’s reference price (€73,813). From €250,000 the rate is reduced by 0.5 point, and by 1.0 point from €1,000,000. Ether +0.5 pt, Solana +1.5 pt, USDT and USDC 6.9% flat.
How the term works
From day one to maturity, without surprises.
You know your rate, your monthly interest and your end date before you pledge anything. What stays flexible is when you repay.
- Term
- 6 or 12 months
- Amount
- €1,000 to €2,000,000Larger amounts through the private desk
- Rate
- Fixed for the whole termSame grid as the credit line
- Interest
- Accrued dailyPaid monthly, or at maturity
- Early repayment
- Any time, in full or in part, no fee
- At maturity
- Repay, or roll over at the rate of the day
- Payout
- One bank transfer in EUR, USD, GBP or CHFTypically within the hour
Fix your terms
Choose the term, the amount and your loan-to-value. Pledge your collateral to the address created for your loan and receive the money, typically within the hour.
Pay interest as you go
Interest is settled by bank transfer each month, or accrues if you prefer to pay it at the end. Your rate does not move.
Repay early if you can
Repay part or all of the loan whenever you like, with no fee. Interest stops on the amount repaid from that day.
Decide before the date
Reminders appear in your client area as maturity approaches. Choose to repay, or to roll over for a new term at the rate of the day.
Get your collateral back
Repay, and your collateral returns to the address you choose, typically within the hour.
Fixed term or credit line?
Choose the structure that matches your plan.
Both share the same rates, thresholds and zero-fee policy. They differ in how the money is drawn and how long the rate holds.
A fixed term suits you if…
- you know the amount and roughly how long you need it;
- you want a rate that cannot change;
- you prefer one payout and a clear end date;
- you are funding a purchase, a bridge or a tax payment.
A credit line suits you if…
- your needs come in stages or are hard to predict;
- you want to draw, repay and draw again;
- you would rather not manage a maturity date;
- you want a reserve that costs nothing while unused.
Risk, in plain words
A fixed rate is not a fixed risk.
Locking the rate does not lock the price of your collateral. The same thresholds apply throughout the term, whatever its length.
Over twelve months, crypto prices can move a long way in either direction. For a longer term, consider a lower loan-to-value: at 30%, bitcoin can fall 57% before a margin call, against 14% at 60%.
What happens if prices fall
- < 65%Healthy. Nothing to do.
- 65%Early warning in your client area.
- 70%Margin call: 72 hours to top up or repay part, otherwise only enough is sold to return to 65%.
- 80%Partial liquidation: only enough is sold to return to 65%.
- 90%Full liquidation. Any surplus is returned to you.
Alerts appear in your client area and, if you allow it, as browser notifications. We never email or call.
Questions
Fixed-term loans: straight answers.
Anything else? Our advisors answer by secure message from your client area, 7 days a week.
Help centreWhat is a fixed-term crypto loan?
A loan of a set amount, secured by crypto-assets you pledge, for a set period: 6 or 12 months at Lombard Private. The rate is fixed on day one for the whole term, and the money is paid in one transfer to your bank account.
Is the rate really fixed for the whole term?
Yes. The rate set on day one depends on your loan-to-value and, from €250,000, on the amount. It does not change until maturity, whatever happens to market rates in the meantime.
Can I repay a fixed-term loan early?
Yes, at any time, in full or in part, with no fee. Interest accrues daily, so you only pay for the days the money was actually borrowed.
Do I pay interest every month or at the end?
Your choice. Paying monthly keeps what you owe unchanged. If you let interest accrue until maturity, it is added to what you owe, which slowly raises your loan-to-value.
What happens at maturity?
The loan falls due. You repay it and your collateral is returned to the address you choose, or you roll it over for a new 6- or 12-month term at the rate of the day. Reminders appear in your client area as the date approaches.
Can a fixed-term loan be margin-called?
Yes. A fixed rate does not change the collateral rules: an early warning at 65% loan-to-value, a margin call at 70% with 72 hours to act, and a partial liquidation at 80% that brings you back to 65%.
Which collateral can I use?
You can pledge bitcoin (up to 60% loan-to-value), ether (50%), Solana (40%), and USDT or USDC (80%). Each loan has its own on-chain address in multi-signature cold storage, which you can check on any block explorer.
Lock your rate. Keep your crypto.
Price a 6- or 12-month loan in seconds and receive your funds, typically within the hour.
- No KYC
- No email, no phone
- Zero fees
- Repay any time