Refinance Your Loans with Lava

If you have an existing loan somewhere else, Lava Refinance can help you move it into the Lava BLOC.

You can refinance a bitcoin-backed loan, credit card balance, auto loan, mortgage, or other debt with fixed rates starting at just 6.5%. We’ll help you lower your cost of borrowing, keep your terms flexible, and access credit easily without selling your bitcoin.

How It Works

Lava Refinance helps you move existing debt into the Lava BLOC, our bitcoin-backed line of credit.

To get started, tell us the size of your current loan and where it is held. Our Client Services team will work with you directly to help refinance it with Lava.

Depending on the loan, you may be able to borrow dollars through Lava, pay off your existing lender, and manage the new balance from one line of credit inside your Lava account.

Our Client Service team will assist you directly throughout the process.

What You Can Refinance

You can use Lava Refinance for different types of debt, including:

• Existing bitcoin-backed loans

• Credit card balances

• Auto loans

• Mortgages

• Other personal or business debt

If you are already borrowing against bitcoin somewhere else, Lava can help you move that loan over. If you are carrying traditional debt, Lava can also help you use the BLOC to pay it down and manage the new balance from Lava.

Important Details

Fixed rates starting at 6.5%

The Lava BLOC has fixed rates starting at 6.5%, plus a 2% capital charge based on your highest outstanding annual balance.

That means your rate is predictable, and the capital charge is based only on the largest outstanding balance you reach during the year, not every time you borrow.

Open terms and flexible repayment

The BLOC has open terms, flexible repayment, and no monthly payment schedule. You can pay down your balance partially or in full at any time without penalties.

This is useful if you want to refinance debt but avoid being locked into a fixed repayment timeline.

Keep your bitcoin upside

Refinancing with Lava lets you access dollars without selling your BTC. Your bitcoin remains secure as collateral, so you can handle current obligations while keeping long-term bitcoin exposure.

Work directly with our team

Refinancing can involve coordination between lenders, loan balances, collateral, and repayment timing. Our Client Services team will work with you directly throughout the process.

You will talk to a real person on our team any time you need help.

Institutional-grade custody

Lava is built on institutional-grade infrastructure used to secure more than $100B in assets. Your assets remain your assets. We never trade, lend out, or otherwise rehypothecate your funds.

Getting started

To refinance with Lava, send an email to our Client Service team.

Let us know the size of your existing loan and where it is currently held. We will work with you directly to help move the loan to Lava and get you set up with the BLOC.