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
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Collateral Amount
Initial LTV
Loan Term (Days)
Hourly Interest Rate
Total Interest Amount
User Manual
More loan data
What crypto can I borrow on Binance Crypto Loans?
Binance Crypto Loans offers a wide range of crypto as loanable assets and collateral, including BUSD, USDT, BTC, and ETH. Check out the Loan Data page for more information.
What are the Loan Terms?
Loan terms are available from 7, 14, 30, 90, and 180 days. You can always repay in advance and the interest is calculated based on the hours borrowed. There is no penalty for early repayment.
How is the interest calculated?
Interest is calculated hourly, in which less than one hour is calculated as one hour. The interest rate starts to accrue at the time of borrowing.
What is LTV?
LTV stands for Loan-to-Value. It's the total value of your loan plus interest, if any, to the value of your collateral. The value is determined by the index price.

LTV = Loan Value / Collateral Value
What happens if my loan repayment is overdue?
We give an overdue duration of 72 hours (for loan terms of 7 and 14 days) or 168 hours (for loan terms of 30, 90, and 180 days), during which you will be charged 3 times the hourly interest. If you do not repay after the overdue duration, we will liquidate your collateral to repay your loan.
What can I do with the crypto loan?
You can use the loan for any purpose, including trading on the spot, margin, or futures markets, staking, or even withdrawing the funds.
What is "Loan Staking"?
Loan staking supports collateral with a [Staking] logo. Loan staking generates profit to reduce the interest for the loan order by staking the collateral. 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 the interest rate displayed at the time of borrowing. Binance strives to offer only the best staking projects.

Please note that Binance does not assume liability for any losses incurred due to the project’s on-chain contract security issues. Please read carefully and agree to the Binance Loan Service Agreement before you use Binance Loans.
Can I renew my loan order?
Yes. No matter which token you have borrowed (e.g. Bitcoin, Ethereum), you can renew the loan order within 24 hours before the due date. Please note that 180-day orders and loan staking orders cannot be renewed, and every loan order can only be renewed once.
What is "Auto Top-up"?
The Auto Top-up function helps you better manage your loan positions by automatically transferring the equivalent collateral assets to loan orders from your Spot Wallet to maintain the initial LTV ratio during a margin call or liquidation call.
When your LTV reaches the Margin Call or Liquidation LTV, the available assets in the spot wallet will be automatically and immediately used to supplement the collateral, until your LTV reaches initial LTV or no available assets in your spot wallet.
Please note that there's still a chance that your spot wallet available assets are not sufficient and can be liquidated even after auto top-up. Users should always be aware of the risk and adjust your positions. All of your collateral and available spot assets may be liquidated in the event of extreme price movements.
You should always be aware of loan risk and adjust your positions, if any, in time to minimize that risk.
To enable Auto Top-up, go to the [Asset Overview] tab and toggle on the [Auto Top-Up] button in the upper right corner.
What is "Partial Liquidation"?
"Partial Liquidation" helps users reduce liquidation risk and lower their possible losses. When the liquidation LTV is reached, your positions will be partially liquidated (~50% each time) until your LTV returns to the initial level. When the remaining loan balance equals or less than 200 USD, your position will be fully liquidated. Please note that in extreme market conditions, your positions may still be fully liquidated.