Crypto Loans
Borrow for Spot/Margin/Futures Trading or staking to earn high APY.
Repay at any time
VIP Tier Rates
No transaction fee
Loan Staking Low Rates
Partial Liquidation
Currently Loanable
Currently Loanable:
More loan data
I want to borrow
Collateral Amount
Initial LTV
NaN%
Margin Call
NaN%
Liquidation LTV
NaN%
Loan Term
No interest penalty for early repayment
7 Days
14 Days
30 Days
90 Days
180 Days
Initial LTV (Loan-to-value Ratio)
NaN%
Initial LTV NaN%
Margin Call NaN%
Liquidation LTV NaN%
Liquidation Price(/)
-
When LTV reached NaN%
Hourly & Daily Interest Rate
- / -
Total Interest Amount
-
Repayment Amount
-
Login to check interest discount.
Interest
Hourly Interest Rate
-
Daily Interest Rate
-
Total Interest Amount
-
Create a loan request.
Collateral transferred from Spot Account & Receive Loan in Spot Account.
Repay at any time.
Receive collateral in Spot Account
Repay at any time
VIP Tier Rates
No transaction fee
Loan Staking Low Rates
Partial Liquidation
FAQ
Q1. What qualification does the user have to meet to borrow on Binance Loan?
A1. As long as you are a registered user of Binance, you can borrow on Binance Loan.
Q2. What crypto can users borrow on Binance Loan?
A2. Binance Loan supports the borrowing of several cryptos, including BUSD and USDT. You can check out the Borrow page on Binance Loan for more information.
Q3. What crypto can users use as collaterals?
A3. Binance Loan supports the use of several cryptos as collateral, including BTC and ETH. You can check out the Borrow page on Binance Loan for more information.
Q4. How long are the loan terms for Binance Loan?
A4. Loan terms of 7, 14, 30, 90 and 180 days are available. You can always repay in advance and the interest is calculated based on the hours borrowed.
Q5. How is the interest calculated?
A5. Interest is calculated hourly, and less than one hour is calculated as one hour. The interest rate is determined by the time you make the loan.
Q6. How do I repay the interest and principal?
A6. You have to repay them manually on the Order page. The interest has to be repaid before the principal.
Q7. Can I make a full repayment before the due date?
A7. You can always repay in advance, and the interest is calculated based on the hours borrowed.
Q8. What is LTV?
A8. LTV is the value of your loan to the value of your collateral. The price used here is Index Price. Different collateral coins have different initial LTVs, which means when you use different coins as collateral of the same value, the loan you make is of a different value too.
Q9. What happens when my LTV is too high?
A9. If your LTV is higher than margin call LTV, we will inform you to add more collateral or to repay your loan. If your LTV is higher than liquidation LTV, your positions will be partially liquidated (~50%) each time. The liquidation stops when the initial LTV is met. When the remaining loan balance is ≤200 USD value, your position would be fully liquidated. Please note that in extreme market conditions, your positions may still be fully liquidated.
Q10. How can I adjust my collateral?
A10. You can adjust your collateral on the Order page. You can always add more collateral and when your LTV is lower than initial LTV, you can remove some of your collateral too.
Q11. What happens if my loan repayment is overdue？
A11. We give an overdue duration of 72 hours (for loan term 7 days and 14 days) or 168 hours (for loan term 30 days, 90 days and 180 days), during which you will be charged 3 times the hourly interest. If you do not repay after overdue duration, we will liquidate your collateral to repay your loan.
Q12. Can I use the crypto I borrow to trade in Margin and Futures? Can I withdraw them?
A12.Yes, you can trade on Binance using the loan you make as long as you meet the qualification for using the services. Yes, you can withdraw them as well.
Q13. Can the collateral be used for staking to generate profit and to deduct interest?
A13. Yes, the staking collateral will be staked to generate profit to reduce the interest for the corresponding loan order after you choose the staking collateral. For details, please refer to the "After Staking" hourly and daily interest rate and total interest amount displayed on the page.
Q14. Will the profit of staking fluctuate?
A14. Yes, the profit from staking will fluctuate and be adjusted over time. However, all loan orders that participate in staking will be calculated based on the profit and interest rate displayed at the time of borrowing.
Q15. Is there any risk when the collateral is used for staking?
A15. Yes. Binance strives to offer its users only the best staking projects. Binance does not assume liability for any losses incurred due to project on-chain contract security issues. Please read carefully and agree to Binance Loan Service Agreement before you use Binance Loans.