Platform Comparison
Figure vs YouHodler: Rate Simplicity vs Flexibility
Compare Figure and YouHodler for Bitcoin-backed loans. Figure’s 8.91% base rate (9.999% effective APR) vs YouHodler’s flexible terms, plus safety, custody, and LTV.
Figure and YouHodler target different segments of the BTC lending market. Figure offers a simple 12-month BTC product with an 8.91% base rate (9.999% effective APR after fees), while YouHodler provides a daily fee model whose exact BTC LTV, PDL, and fee must be checked in the loan form. Figure scores higher on safety (7.1 vs 4.0).
Figure is stronger on transparency and predictability: one tracked BTC product, a 9.999% effective APR, same-day funding on that tracked product, and clearer liquidation guardrails. It fits borrowers who want a simpler CeFi flow.
YouHodler is stronger on quote-form LTV flexibility and short-term flexibility: the daily fee model may fit short use periods. It fits active crypto users who can verify the loan-form terms.
Head-to-Head Comparison
Key Differences
- Figure has no rehypothecation vs YouHodler's partial rehypothecation
- YouHodler offers a lower starting APR (6.50% vs 8.91%)
- Figure scores higher on safety (7.1 vs 4.0)
The Verdict
Which platform is right for you?
→ Pick Figure if:
- • You want a predictable 12-month BTC loan with a 9.999% effective APR
- • You value a US-only lender with BBB A+ accreditation
- • You want optional Liquidation Protection
- • You prefer predictable loan terms
- • You want same-day funding on a tracked BTC product
→ Pick YouHodler if:
- • You want flexible collateral options
- • You need short-term loan options (30 days)
- • You want lower minimums ($100 vs $5K)
- • You're comfortable with variable rates
- • You want to use alt-coin collateral
Share this comparison
Ready to compare your specific scenario? Use the comparison tool to input your loan amount, collateral, and preferred terms.