Borrow without selling your U.S. stock holdings: A complete guide to Bitget Crypto Loans

Holding spot stocks (rTokens) such as rNVDA or rTSLA and bullish on their long-term potential, but need some short-term liquidity? Selling your holdings may seem like the obvious choice, but doing so means giving up potential future gains and dividend income. Here's a smarter option: Bitget Crypto Loans now supports over 120 popular spot stocks (rTokens) as collateral, allowing you to borrow easily without selling your holdings.

What are the advantages of Crypto Loans?

1. Keep your holdings

Use your rTokens, such as rNVDA and rTSLA, as collateral while retaining exposure to potential price appreciation and dividend distributions. This allows you to access liquidity without reducing your position or disrupting your long-term investment strategy.

2. Unlock liquidity

Borrow from over 100 crypto assets, including USDT and USDC, with funds credited immediately for trading, Earn subscriptions, or other purposes.

3. Enjoy greater flexibility

Flexible-term loans have no fixed maturity date. You can repay at any time with no early repayment penalty, giving you greater control over how much you borrow and when you repay.

How do I get started? Follow these three steps

Step 1: Go to the Crypto Loans page

Open the Bitget app or website and select Earn → Crypto Loans → Borrow Now.

Step 2: Select the collateral asset and the asset to borrow

- Collateral: Choose a supported rToken, such as rNVDA or rTSLA

- Asset to borrow: Select the asset you want to borrow, such as USDT, USDC, or others

- Enter the loan amount. The system will automatically display the current APR, estimated hourly interest, initial loan-to-value (LTV) ratio, margin call LTV, and liquidation LTV.

Step 3: Confirm the loan

After reviewing the details, select Confirm. The system will transfer the corresponding amount of rTokens from your spot account as collateral and immediately disburse the loan to your account. You can use the funds once they are credited.