Highlights:
Instant liquidity: receive USDT immediately and use it inside or outside Binance.
Learn how to keep generating returns with the Bitcoin you used as collateral.
We show you how to get your loan in minutes from the website or app, step by step
Introducing Lite Loan, a fixed-term loan product that is simple and intuitive. It allows users to obtain instant loans in USDT using Bitcoin as collateral. No need to constantly monitor the LTV, no liquidations due to price changes during the first 30 days of the loan, and best of all: the option for your Bitcoin to keep generating returns throughout the entire term.
Key features of Lite Loan
Instant liquidity: Loan funds are available immediately and you can use them both on and off the Binance platform.
Predictable financing cost: A fixed service fee is charged in advance, with no additional interest during the first 30 days of the loan.
Your Bitcoin keeps generating returns: The assets used as collateral remain in Simple Earn Flexible products and continue generating returns throughout the loan term.
Easy to manage: You don’t need to monitor the *LTV during the first 30 days. When the LTV reaches the margin call level (currently 85%), you’ll receive a notification if the liquidation threshold is approaching once the loan term ends. Simply apply for the loan, use the funds, and make the repayment on time.
*LTV (Loan-to-Value) is a financial indicator that banks use to compare the amount of a loan with the value of the asset left as collateral (such as a house or a car). It is expressed as a percentage and is used to measure the risk of the transaction.
No liquidations due to price changes during the loan term: The Bitcoin you use as collateral will not be subject to liquidation due to price fluctuations during the first 30 days of the loan.
Liquidation threshold after maturity: If the loan goes into default, liquidation will be triggered when the LTV reaches the corresponding threshold (currently 91%) or when the loan remains overdue for 30 days, whichever occurs first.
How to start using Binance Lite Loan from the website
Step 1: Go to [Lite Loan].
Step 2: Click [Borrow Now], enter the amount you want to borrow, and make sure you have a sufficient amount of collateral in your account. Then click [Next].
Step 3: Read and accept the terms, and click [Confirm] to receive the funds instantly.
https://www.binance.com/es-LA/lite-loan
How to start using Binance Lite Loan from the app
Step 1: Go to the search bar and search for [Loans], or tap [More] on the app home page and locate Lite Loan in the [Loans] section.
Step 2: Tap [Request loan], enter the amount you want to borrow, and verify that you have sufficient collateral in your account. Then tap [Continue].
Step 3: Read and accept the terms, and tap [Confirm] to receive the funds instantly.
🔥 Binance Lite Loan promotional offer 🔥
Binance is launching an exclusive promotion for Lite Loan. During the promotion period, users can enjoy a 70% reduction in the Lite Loan service fee and have the opportunity to share a rewards pool of 5,000 USDT. Eligible users will have the opportunity to receive a 3 USDT token coupon as their share of the rewards pool.
Additionally, Binance will increase the calculation ratio of the Lite Loan loan fee from 40% to 50%, with immediate effect and on a continuous basis. The maximum loan limit of 1,000 USDT per user remains unchanged.
Promotion period: From August 13, 2026 (00:00 UTC) to August 27, 2026 (23:59 UTC)
Learn more details in the official announcement.
When using Lite Loan, please consider that…
Loans are made in USDT.
Lite Loans only accepts Bitcoin as a valid asset for collateral.
The loan limit per user is 1,000 USDT.
Loan term: 30 days.
The service fee is charged in advance.
The promotional fee only applies to loans that are correctly initiated during the promotional period.
The service fee charged in advance is non-refundable, even in the event of early repayment.
Binance reserves the right to modify or terminate this promotion at any time without prior notice.
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Lite Loan application page
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Disclaimer: Digital asset prices are subject to a high market risk and high volatility. The value of your collateral may increase or decrease, and you may not recover the invested amount. You are solely responsible for your investment decisions, and Binance will not be responsible for any losses you may incur. Collateral will not be subject to liquidation due to price fluctuations during the loan term. Once the loan term has ended, the collateral may be liquidated if the loan-to-value ratio (LTV) reaches or exceeds the corresponding liquidation threshold, or if the loan remains unpaid during the applicable grace period. APR is an estimate of the rewards you will earn in cryptocurrencies during the selected period. It does not represent the actual return or the expected return in any fiat currency. APR is adjusted daily, and the estimated rewards may differ from the rewards actually generated. This material must not be interpreted as financial advice. For more information, please refer to our Terms of Use and Risk Warning.