Been using crypto loans for over a year now on and off, mostly when I need liquidity but believe in the long-term upside. Interest rates vary a lot – from ~8–12% APR on conservative LTV up to 20%+ if you push higher leverage. The key is choosing platforms with reasonable liquidation thresholds (usually 70–80% LTV triggers warning) and good oracle price feeds to avoid unfair liquidations. In Ukraine several services work smoothly with local cards and even hryvnia payouts. I found a useful roundup that compares actual terms, user reviews and risks specifically for our region https://crypto.vsimfo.com.ua/ – helped me pick one with transparent fees and no hidden KYC surprises for small loans. Overall it's convenient when used carefully, but treat it like any leverage tool – size positions responsibly.