How It Works

Bitcoin Now.
Pay Later.

Buy Bitcoin with 0% down.
Fixed monthly payments. No interest. No surprises.

The Process

1
Apply in minutes
Soft credit check, no impact on your score

Share a few basics and verify your income. Most people finish in under 5 minutes.

  • Personal info & address
  • Income verification (via Plaid)
  • Soft credit check, no impact on your score
2
Lock today's price
Your Bitcoin is purchased and held safely

Once qualified, your price is locked. It never changes, no matter where Bitcoin goes next.

Your Bitcoin is purchased and placed with Fireblocks, a regulated New York trust company. Title is held by an independent trust, completely separate from BTC Now's business.

3
Make monthly payments
Fixed amount. No interest. No surprises.

Your monthly payment is fixed for the life of your plan, regardless of where Bitcoin goes.

Pay over 10 years, or pay it off early anytime with no penalty. Track your progress in your dashboard.

4
Get your Bitcoin
Delivered directly to the wallet you choose

When you finish paying (or pay it off early), your Bitcoin is delivered to a wallet you control.

Delivery happens within 5 business days after your final payment clears. You own it, free and clear.

Why BTC Now?

Price Locked. Forever.
Lock in today's Bitcoin price. It never changes. Not if Bitcoin moons, not if it crashes.
Independent Custody
Your Bitcoin is held by an independent trust at Fireblocks, separate from BTC Now, never commingled, never touched by us.
Fully Insured
Your Bitcoin is insured against fraud, theft, and loss, for the full amount held for you.
No Interest, No Surprises
One fixed price, shown upfront. No variable rates, no finance charges, no prepayment penalties.
Non-Recourse
If you ever stop paying, we don't chase you. You'll never owe more than you've already paid.
Quick Application
Most applications finish in under 5 minutes. Simple online. No paperwork, no branch visits.

Safety & Security

How Your Bitcoin is Protected

  • Held by an independent trust, separate from BTC Now
  • Stored at Fireblocks, a regulated New York trust company
  • In a segregated wallet reserved for your plan
  • Insured against fraud, theft, and loss
  • Never lent, pledged, or used as collateral

Your Data Protection

  • 256-bit encryption in transit and at rest
  • Identity verified through trusted partners
  • We never sell or rent your data
  • Two-factor authentication on your account
  • Regular security audits

Ready to get started?

Join the early adopters securing their Bitcoin future today.

Create a PlanRead FAQ