Summary

Lava is launching "Lava Refinance," a streamlined way for users to move their existing bitcoin-backed or traditional loans (like credit cards, auto loans, or mortgages) over to Lava and lock in industry-leading fixed rates. For a limited time, anyone who borrows with Lava can secure a 5% annual interest rate plus a transparent 2% capital charge based on their highest annual balance—before rates rise to 5–7%. The program is designed for maximum user empowerment: Lava’s team will personally assist with refinancing, ensuring a smooth transition and access to lower costs. Authored by CEO Shehzan Maredia, this initiative continues Lava’s mission to help Bitcoiners HODL, borrow, and spend with confidence—without getting rugged by hidden fees or variable rates. Lava’s refinance program is available globally and is built on the same transparent, borrower-first principles as their Bitcoin Line of Credit.

What is Lava Refinance? * Lava Refinance is a service that helps you move your existing bitcoin-backed or traditional loans to Lava, allowing you to benefit from lower, fixed interest rates and consolidate your debt (source: Lava Blog).
What rates can I get if I refinance with Lava? * For the next two weeks, all new borrowers can lock in a 5% annual interest rate plus a 2% capital charge based on your maximum outstanding annual balance (source: Lava Blog).
Who can use Lava Refinance? * Anyone with an existing bitcoin-backed loan or traditional debt (like credit cards, auto loans, or mortgages) can use Lava Refinance to lower their costs and simplify repayment (source: Lava Blog).
How do I start the refinancing process? * Simply email Lava’s Client Services team at concierge@lava.xyz or call/text 347.588.9745 with your current loan details, and Lava will guide you through the process (source: Lava Blog).
Are there any hidden fees or surprises? * No—Lava charges a single, transparent capital charge (2% of your highest balance per year) and never rehypothecates collateral, ensuring you keep more of your sats and stay in control (source: FAQ).

“We’re making it easy for Bitcoiners to refinance, save on interest, and keep their upside—no surprises, no hidden fees.” — Shehzan Maredia, CEO (source)

Ready to take control of your financial freedom? Contact Lava’s team or sign up here to get started.

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Products

Nov 6, 2025

Lava Refinance

Shehzan Maredia

Today we’re introducing Lava Refinance— a simple way to bring your existing loans over to Lava and benefit from the lowest fixed interest rates on bitcoin-backed loans.

This week we announced the bitcoin line of credit (BLOC), the most flexible way to borrow against your bitcoin, along with even lower rates. We’re currently offering all users the ability to lock in a 5% annual interest rate (plus a 2% capital charge based on your max outstanding annual balance) on their line of credit.

We’re making this rate available to everyone who borrows with Lava in the next two weeks— before baseline rates increase to 5-7% (depending on loan size). To help users take advantage of these special rates, we’re introducing a simple program to help you move existing loans over to Lava.

Whether you already have a bitcoin-secured loan elsewhere, or you’re looking for a smarter way to refinance traditional debt like credit cards, auto loans, or even a mortgage— Lava can help you lower your costs and consolidate your debt. We’ll make it easy for you to move your loans over from other lenders and to access Lava’s best-in-class fixed rate.

To get started, click this link to email our Client Services team or call/text us at 347.588.9745. Let us know the size of your existing loan and where it’s currently held. We’ll work with you directly to refinance your loan with Lava.