APX Lending Reviews 45

TrustScore 4.5 out of 5

4.7

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See what reviewers are saying

Rated 4 out of 5 stars

Support staff is always available and responsive to a "non profession" using these services to match up against the larger, professionally managed financial groups. This make APX Lending a great ex... See more

Company replied

Rated 5 out of 5 stars

I only just received the funds so only at the very beginning of my loan, so take this with a grain of salt. But so far, outstanding service and support. Loan was processed almost instantly,... See more

Company replied

Rated 5 out of 5 stars

I had a great experience with APX Lending. The process was very easy and they walked me through everything step by step. All communication stayed within one email chain, which made things clear and ef... See more

Rated 5 out of 5 stars

APX Lending has been a treat to deal with. I wasn't able to find any other lenders that could compete on flexibility of loan term, rates and LTV. Funds landed in account within a couple of hours. Supp... See more

Company details

  1. #14 of 25 best companies in Alternative Financial Service
  2. #2 of 7 best companies in Cryptocurrency Service
  3. #7 of 15 best companies in Financial Institution

Written by the company

APX Lending makes crypto-backed borrowing simple and secure. Your assets stay in insured, segregated wallets you can verify on-chain, while loans fund quickly and let you repay or redraw on your schedule.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

45 reviews

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Replied to 100% of negative reviews

Typically replies within 2 weeks

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Rated 2 out of 5 stars

0 human support. Scammy feel.

Loan disbursement very rapid, automated.

Zero human communication for two weeks regarding additional fiat payments, until after I posted on twitter. Then replied within 1 hour to me, claimed their replies to me must have gone to my junk, but some how all of their automated emails got through.

Stay away from this company, these clowns expect you only to deposit bitcoin and give you no way to deposit fiat for you loan unless through their 'support' which never replies.

My loan got margin called because I wouldn't deposit more bitcoin, and they refused to acknowledge emails I sent since two weeks prior to the MC about how to pay down fiat or give me information on wire transfers to them.

Lost 1 bitcoin with these clowns.

November 13, 2025
APX Lending logo

Reply from APX Lending

Response from Andrei Poliakov, CEO & Founder of APX Lending

Frederick, thank you for your review. I would like to clarify several factual points raised in your post.

Our support team sent multiple replies to you throughout January from support@apxlending.com. Based on our delivery logs, those messages did not appear to reach your inbox, likely due to email filtering. When the matter was raised publicly, we contacted you from an alternate email address, which was delivered immediately. I subsequently emailed you personally to outline available options and shared screenshots confirming our prior attempts to reach you. I did not receive a response from you.

With respect to the loan status: APX Lending applies a soft margin call at 80% LTV, which does not require immediate action and does not result in any liquidation. Collateral is only liquidated if the loan reaches the 90% LTV liquidation threshold, as outlined in our loan agreements.

We regret the frustration caused by the communication issue and continue to improve email delivery reliability to prevent similar situations in the future.

Thank you,
Andrei Poliakov

Rated 5 out of 5 stars

APX flawless

APX was so incredibly great! They were so patient and walked me through the entire process.

January 27, 2026
Rated 5 out of 5 stars

Outstanding support during recent downturn

APX Lending has been amazing. During the recent market chaos, their team was on top of everything. Super quick to respond and genuinely supportive. They helped me top up my account in time and avoid liquidation, and honestly, that meant a lot during a stressful moment. So glad their liquidation LTV is 90%!! Cannot recommend highly enough.

October 28, 2025
Unprompted review
Rated 5 out of 5 stars

Top notch customer experience

I was a bit skeptical at first becuase I hadn't heard of APX before but the onboarding was easy, the team was top notch and patient with me. After researching I found out they were approved by the regulators in Canada, which was reassuring. I will definitely borrow from them in the future!

December 4, 2025
Unprompted review
Rated 5 out of 5 stars

Apx loan review

I recently applied for a loan with APX Lending and the entire process was very smooth. Their support team answered all my questions quickly and clearly, communication was very straightforward from start to finish, and the money landed in my bank account within a few hours. I’ll definitely use them again.

December 4, 2025
Unprompted review
Rated 5 out of 5 stars

Most flexible service I have used to date

APX Lending has been a treat to deal with. I wasn't able to find any other lenders that could compete on flexibility of loan term, rates and LTV. Funds landed in account within a couple of hours. Support is also top notch and extremely responsive.

November 6, 2025
Rated 5 out of 5 stars

APX Lending 5Stars

I had a great experience with APX Lending. The process was very easy and they walked me through everything step by step. All communication stayed within one email chain, which made things clear and efficient. The loan was processed within 2–3 hours, and they even sent a small test transaction before the full amount to ensure everything was correct. I’d definitely recommend them and will use their services again in the near future.

November 18, 2025
Unprompted review
Rated 5 out of 5 stars

It was spectacular to have the same…

It was spectacular to have the same subject line email go to the same extra helpful staff who were beyond patient with my step-by-step suggestions to complete the easy process. I sure felt staff were "with" me throughout - kind and patient. Much appreciated

August 26, 2025
Unprompted review
Rated 5 out of 5 stars

Really easy process

Really easy process , done in ~24h. Team answer mail in 30min or less. Crazy good communication all around the way i am very pleased to say the least. If the close of the loan is as easy as getting one ( will see at the end ) its probably the best option right now anywhere. Will keep updated but A++++++ for now THANK YOU

June 6, 2025
Unprompted review
Rated 5 out of 5 stars

Great experience, worth looking into.

This was such a simple process from start to finish. As a business owner who struggles borrowing against land and equipment assets, being able to manage my BTC like this without giving up the asset completely changes the opportunity for capital management and strategic growth.

May 14, 2025
Unprompted review
Rated 5 out of 5 stars

Efficient and 5 star service !!

I was impressed by the level of personal care and patience in helping me all the steps of the way in setting my account and facilitating loan. This was truly enjoyable and smooth process. Thank you to the whole team.

April 28, 2025
Unprompted review
Rated 5 out of 5 stars

APX was smooth sailing

After exploring several platforms, I ultimately selected APX due to its association with Netcoins. As a frequent and satisfied Netcoins user, their endorsement instilled confidence in APX's reliability.

One area for improvement would be to explicitly state the expected transfer time on the website and advise users to be patient. Initially, I grew concerned by the seemingly prolonged transfer, especially given the significant amount of Bitcoin involved, which left me feeling uncertain. While I recognize that transactions aren't instantaneous, receiving the deployment confirmation text before the funds appeared heightened my worry.

On a positive note, the communication I received was excellent and prompt, a feature I greatly appreciated.

Highly recommend!

April 24, 2025
Unprompted review
Rated 5 out of 5 stars

Overall, 5/5. I had a great experience with APX…

I had a great experience with APX lending, and would recommend them. They offered terms negotiation and were very fair.

I repayed early and had very little interest. I did incur some fees in crypto transactions, but that is not something they can control.

November 23, 2023
Unprompted review
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