Head-to-Head
Every metric that matters, side by side.
Select two lenders. We compare safety, APR, custody, fees, and 8 more factors — so you choose with data, not marketing.
VS
Lava
Est. 2023
3.4
VS
5.3
Nexo
Est. 2018
LavaNexo
3.4
5.3
Higher safety score (5.25 vs 3.39)
3.4
Safety Score
Higher safety score (5.25 vs 3.39)
5.3
Safety Score
Higher safety score (5.25 vs 3.39)
3.4
Higher safety score (5.25 vs 3.39)
5.3
Lower minimum APR (1.9% vs 7.5%)
7.5%
APR Range
Lower minimum APR (1.9% vs 7.5%)
1.9%
APR Range
Lower minimum APR (1.9% vs 7.5%)
7.5%
Lower minimum APR (1.9% vs 7.5%)
1.9%
—
Both have the same max LTV
50%
Max LTV
—
Both have the same max LTV
50%
Max LTV
—
LavaBoth have the same max LTV
50%
—
NexoBoth have the same max LTV
50%
—
Compare loan amounts based on your needs
Min $100
Max Unlimited
Max Unlimited
Loan Amount Range
—
Compare loan amounts based on your needs
Min $100
Max Unlimited
Max Unlimited
Loan Amount Range
—
LavaCompare loan amounts based on your needs
Min $100
Max Unlimited
Max Unlimited
—
NexoCompare loan amounts based on your needs
Min $100
Max Unlimited
Max Unlimited
—
Both have the same origination fee
None
Origination Fee
—
Both have the same origination fee
None
Origination Fee
—
LavaBoth have the same origination fee
None
—
NexoBoth have the same origination fee
None
—
Both have the same funding speed
Same day
Funding Speed
—
Both have the same funding speed
Same day
Funding Speed
—
LavaBoth have the same funding speed
Same day
—
NexoBoth have the same funding speed
Same day
—
Both have the same custody model
Custodial
Custody Model
—
Both have the same custody model
Custodial
Custody Model
—
LavaBoth have the same custody model
Custodial
—
NexoBoth have the same custody model
Custodial
No rehypothecation — collateral is never reused
No Rehypothecation
Rehypothecation Policy
No rehypothecation — collateral is never reused
Partial
Rehypothecation Policy
No rehypothecation — collateral is never reused
No Rehypothecation
No rehypothecation — collateral is never reused
Partial
—
No published reserve reporting or on-chain verification
Not published
Reserve Transparency
—
No published reserve reporting or on-chain verification
Not published
Reserve Transparency
—
LavaNo published reserve reporting or on-chain verification
Not published
—
NexoNo published reserve reporting or on-chain verification
Not published
registered is a stronger regulatory status
Undisclosed
Regulatory Status
registered is a stronger regulatory status
Registered
Regulatory Status
registered is a stronger regulatory status
Undisclosed
registered is a stronger regulatory status
Registered
Fewer excluded states (0 vs 2)
All 50 states
US State Availability
Fewer excluded states (0 vs 2)
48 states
Excluded: 2
Excluded: 2
US State Availability
Fewer excluded states (0 vs 2)
All 50 states
Fewer excluded states (0 vs 2)
48 states
Excluded: 2
Excluded: 2
Longer track record (8 yrs vs 3 yrs)
3 yrs
Est. 2023
Est. 2023
Track Record
Longer track record (8 yrs vs 3 yrs)
8 yrs
Est. 2018
Est. 2018
Track Record
Longer track record (8 yrs vs 3 yrs)
3 yrs
Est. 2023
Est. 2023
Longer track record (8 yrs vs 3 yrs)
8 yrs
Est. 2018
Est. 2018
Bottom line
Nexo
Wins 4 of 12 categories
2
Lava wins
6
Tied
4
Nexo wins
Score breakdown
Lava: 2 categories6 tiesNexo: 4 categories
Rates and terms are checked on a recurring cadence but may change. Always confirm directly with the lender before applying.