Summary

Lava.xyz, the Bitcoin-native lending platform, has just launched flexible 12-month loan options, empowering users to borrow against their BTC with fixed rates and clear terms. Now, borrowers can choose durations from 1 to 12 months, with interest rates ranging from an industry-low 5% for one-month loans to 11.5% for twelve months. Initiating a loan is seamless through the Lava Vault, with instant capital delivery and transparent schedules. For loans over one month, monthly interest payments are required, with proactive notifications and full visibility inside your Vault. This update is authored by CEO Shehzan Maredia, underscoring Lava’s commitment to user empowerment, transparency, and Bitcoin-native financial freedom.

What new loan durations does Lava offer? * Lava now supports loan durations of 1, 3, 6, 9, and 12 months, all with fixed interest rates.
What are the interest rates for these loans? * Interest rates start as low as 5% for one-month loans and go up to 11.5% for twelve-month loans, making Lava the most competitive Bitcoin-native lender.
How do I initiate a loan with Lava? * Simply use your Lava Vault: select “Initiate Loan,” enter your desired dollar amount, choose the duration, review the terms, and receive your funds within minutes.
Are there monthly payments required? * Yes, for loans longer than one month, monthly interest payments are required; Lava provides multiple reminders and a transparent payment schedule in your Vault.
Who authored this update and how can I get support? * The announcement is by CEO Shehzan Maredia; for questions, reach out to concierge@lava.xyz.

“Lava offers the lowest interest rates of any bitcoin-native lending solution, with rates as low as 5% for one month loans, up to 11.5% for 12 month loans.” — Shehzan Maredia, CEO

Ready to unlock dollar liquidity while HODLing your BTC? Download Lava Vault and start your loan today.

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May 7, 2025

12 Month Loans on Lava

Shehzan Maredia

We’re excited to share that 12 month loans are now available to Lava users!

Starting today, users have the option to select from a number of loan durations (1 month, 3 months, 6 months, 9 months, or 12 months). All of these loans offer fixed interest rates for the duration of the loan, allowing users to easily manage their loans without incurring changes to their interest rate.

Lava offers the lowest interest rates of any bitcoin-native lending solution, with rates as low as 5% for one month loans, up to 11.5% for 12 month loans.

You can initiate a loan of any duration directly from your Lava Vault. Select “Initiate Loan,” enter the dollar amount you’d like to borrow, and then select your loan duration from the drop-down menu. You’ll see the terms of your loan, and once you initiate the loan you’ll receive your loan capital in minutes.

Note that loans over 1 month in duration require monthly interest payments. We’ll send you multiple notifications in advance of these payments, and you can see your payment schedule within your Lava Vault.

To get started, download Lava Vault today, and feel free to email us at concierge@lava.xyz if you have any questions!