Use your NFTs to get a crypto loan

Use your NFT as collateral to borrow wETH, DAI, or USDC from lenders. Repay your loan, and you get your NFT back. No auto-liquidations! 0% borrower fees!


Total loan volume (USD)


Total number of loans


Average loan size

NFTfi Homepage Hero Image

How it works

NFTfi is the leading liquidity protocol for NFTs. NFTfi allows NFT holders to borrow cryptocurrency from lenders by using their NFTs as collateral.

  1. List your NFT & start getting loan offers

    First, you need to list your NFT and set the desired terms of the loan. After you list your NFT, other users will give you loan offers.

  2. Receive loan offers & accept the best one

    When you accept a loan offer, your NFT goes into a secure escrow smart contract, and you receive the wETH, DAI, or USDC from the lender directly to your wallet!

  3. Repay the loan & get your NFT back

    If you repay your loan in time, you will automatically receive your NFT back in your wallet!


My experience with NFTfi has been amazing. Once you realize that you can get money from your "illiquid" NFT and still keep it, it's a no-brainer. Being able to fix the terms directly with the other party is the best part.

Ezequiel / @crypto_rgd

I love the idea of being able to quickly access liquidity against assets in a permission-less peer-to-peer way. Got my biggest W in the space by utilizing NFTfi, forever grateful!


I've been using NFTfi since May 2021, primarily as a lender. As I was big into NFTs, I saw NFTfi as an opportunity to put idle ETH to work without having to learn the complexities of DeFi. I've been able to apply my knowledge of the NFT space to earn extra ETH through lending.


Earned some nice interest on lending. The most valuable aspect of NFTfi is a really clean UI and trusted site with real individuals interacting to come to an agreement on lending conditions.

DB Cooper

Why NFTfi?

Our mission is to give NFT owners the financial flexibility they deserve. NFTfi was designed to provide the most secure, fair, and transparent way to unlock opportunities from your valuable NFTs.

Transparent & open

Transparent & open

The NFTfi dApp runs on Ethereum and is non-custodial, decentralized, and permissionless. All you need is a digital wallet to interact.

Secure & double-audited

Secure & double-audited

All core and periphery smart contracts have been double-audited by ChainSecurity & Halborn.

No auto-liquidations

No auto-liquidations

Every loan is facilitated in a peer-to-peer manner under fixed terms. This means no risk of liquidation should floor prices go down.

Fixed loan terms

0% borrower fees

NFTfi is a peer-to-peer protocol, and all loan terms are fixed between a lender and a borrower. Borrowers pay a 0% fee.

Latest blog posts

Blog thumbnail Bundles PR

January 26, 2023

Start using NFTfi bundles for multi-collateral loans!

Reusable NFTfi bundles are the most gas efficient way to take out crypto loans secured by more than one NFT. They allow borrowers to collateralize multiple NFTs at once, and renegotiate as well as renew multi-collateral loans quickly and gas-efficiently.

Learn more >
Introducing USDC

December 21, 2022

Introducing USDC on NFTfi

NFTfi is introducing USDC (USD Coin) as the third cryptocurrency (next to wETH and DAI) for taking out and giving out loans. When making a loan offer or listing an asset as collateral, users can select USDC under loan terms.

Learn more >
NFTfi Obligation receipts

December 01, 2022

Obligation receipts and how to transfer borrower rights on NFTfi

An obligation receipt allows its holder to exercise the right to get the NFT asset back once the loan is repaid, and borrowers can now transfer or sell it. This feature is not yet officially supported!

Learn more >

Top collections


Mutant Ape Yacht Club

Avg. loan size
42.86 wETH
Loan volume
21738 wETH
Loan count
Avg. loan dur.
37 days

Wrapped CryptoPunks

Avg. loan size
45.58 wETH
Loan volume
51774 wETH
Loan count
Avg. loan dur.
42 days


Avg. loan size
8 wETH
Loan volume
4253 wETH
Loan count
Avg. loan dur.
27 days


Avg. loan size
8.6 wETH
Loan volume
8114 wETH
Loan count
Avg. loan dur.
30 days


Avg. loan size
5.8 wETH
Loan volume
8634 wETH
Loan count
Avg. loan dur.
34 days

World of Women

Avg. loan size
1.6 wETH
Loan volume
8634 wETH
Loan count
Avg. loan dur.
33 days


Avg. loan size
4.85 wETH
Loan volume
12633 wETH
Loan count
Avg. loan dur.
36 days

Art Blocks Curated

Avg. loan size
2.58 wETH
Loan volume
17016 wETH
Loan count
Avg. loan dur.
31 days


Avg. loan size
113 wETH
Loan volume
8236 wETH
Loan count
Avg. loan dur.
40 days


Avg. loan size
47.85 wETH
Loan volume
52942 wETH
Loan count
Avg. loan dur.
44 days

Ways to join our community

Join our Discord, follow us on Twitter, and subscribe to our newsletter. That's all the alpha you need!


Join our Discord

Become a part of a fantastic community. You will also find the NFTfi team there, ready to help you.

Got questions?

Peer-to-peer NFT lending is a pretty simple concept, and you can quickly learn the basics by scrolling through our FAQ section.

The ability to access liquidity against their NFTs without selling the asset gives unprecedented financial flexibility to NFT holders, especially if they have a large percentage of their portfolio locked up in these illiquid assets. 

A few examples of what the liquidity obtained via NFTfi can be used for include: 

  • Serving immediate liquidity needs (e.g. covering margin positions)
  • Taking advantage of short-term investment opportunities (e.g. high-yield liquidity mining or NFT flips)
  • Taking advantage of long-term investment opportunities (e.g. buying real estate; long-term loans is now supported in NFTfi V2)
  • Delaying a planned sale of an NFT for more opportune market conditions
  • Delaying a planned sale of an NFT to defer potential capital gains tax
  • Financing ‘real life’ needs without having to sell valuable assets

There are no fees for borrowers on NFTfi. The NFTfi service fee for Lenders is 5% of the interest earned by Lenders on successful loans. In the case of a loan default, there is no service fee.

NFTfi is a peer-to-peer platform connecting NFT holders and liquidity providers directly via permissionless smart contract infrastructure. The NFTfi team at no point has access to any asset or is involved in any way in the negotiation of terms between Lenders and Borrowers. Since NFTfi’s first loan in May 2020, we have done over $300m in loan volume spread over more than 25,000 loans, and no borrower has ever had an asset stolen. 

The NFTfi V2 smart contract system has been double-audited by two industry-leading firms (Chainsecurity, Halborn).

Yes, loan renegotiation can be initiated both by the borrower and lender on any active loan that is not yet foreclosed by the lender. To read more about loan renegotiations and how they work, please read this blog post.

Put your NFTs to work and get the liquidity you need.