Crypto Loans

Q: What is Bitget Crypto Loans?

The Crypto Loans service allows users to pledge their crypto or stock assets as collateral to borrow other cryptocurrencies. In other words, users can use a specific amount of token A as collateral to borrow a corresponding amount of token B, with interest payable to the platform. To mitigate risks, over-collateralization is generally required.

Q: What assets can be used as collateral?

Bitget supports a variety of crypto and stock assets as collateral, including Bitcoin (BTC) and NVIDIA (NVDA). The eligible collateral for flexible and fixed loans may differ. Visit the Crypto Loans page for more details.

Q: What is the maximum loan duration?

Fixed loans: Available in two terms — 7 days and 30 days. Flexible loans: There is no maturity date for the loan.

Q: What can I do with the borrowed assets?

Once you borrow assets from Bitget Crypto Loans, you can use them freely. This includes making trades on the spot market, depositing them into Bitget Earn products, or transferring them out of Bitget. However, your collateral will remain with Bitget Crypto Loans to secure the borrowed assets.

Q: How is interest calculated?

Interest accrues hourly. Any fraction of an hour is counted as a full hour. Formula: Interest = loan principal × (daily interest rate ÷ 24) × hours in the term. Fixed loans: The interest rate remains unchanged after the order is placed. Flexible loans: The interest rate for flexible loans adjusts hourly based on market supply and demand. You can view the historical rates on the Crypto Loan page.

Q: Can I repay in advance?

Yes, you can repay your loan at any time without incurring a penalty.

Q: What happens if I fail to repay on time?

Fixed loans: In case of late repayment, the overdue portion will incur 200% of the loan's original interest rate, and the penalty interest will accrue according to the formula. Flexible loans: There is no maturity date or penalty interest, and you can repay at any time.

Q: What happens in the event of liquidation or insufficient collateral?

When the loan-to-value (LTV) ratio of your loan reaches the liquidation threshold, a liquidation process will be initiated to mitigate the risk. The system will convert part of your collateral into the borrowed asset in batches to repay your debt, with each batch repaying 50% of your current total debt. After each repayment, the system will immediately check if your LTV ratio has returned to a safe level (the initial LTV). If yes, the liquidation process will be terminated immediately.Note that if the value of your remaining collateral falls below 100 USDT during liquidation, the system will stop using batches and instead convert all remaining collateral at once to repay your debt. In extreme market conditions, if liquidating all your collateral is still not enough to cover your total debt, the shortfall will be absorbed by the Crypto Loans insurance fund, and you will not bear any further losses.

Q: What loan perks do I get as a Bitget VIP?

Enjoy exclusive interest rate discounts on Crypto Loans. The higher your VIP level, the greater the discount—up to 20%. View VIP perks for Crypto Loans> Access loan products exclusive to key clients, with loan limits exceeding 10 million USDT. View Premier Loans>

Q: How are VIP and promotion discounts applied?

VIPs enjoy a discount on Crypto Loan interest rates, meaning they pay interest based on the discounted rate. Interest rate after discount = interest rate before discount × (1 – VIP discount). For example, if a VIP user receives a 10% discount on a 30% interest rate, the interest rate after discount would be: 30% × (1 – 10%) = 27%. VIPs can also benefit from any promotional discounts available for the coin during the loan term. Interest rate after discount with promotion = interest rate before discount × (1 – VIP discount) × (1 – promotion discount). For example, if a VIP user receives a 10% VIP discount and a 20% promotional discount on a 30% interest rate, the rate after both discounts would be: 30% × (1 – 10%) × (1 – 20%) = 21.60%. Note: Fixed-term loans have a fixed interest rate throughout the term. Therefore, the discounts applied are based on the VIP and promotional discounts at the time the loan is placed. Flexible loans, however, have interest rates that update hourly based on market conditions. The discount for flexible loans is also updated hourly according to the latest VIP and promotional discounts.

Flexible loans

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Flexible loan interest rate

Hourly/annualized rate

7-day fixed rate

Hourly/annualized rate

30-day fixed rate

Hourly/annualized rate

Loanable coin	Flexible loan interest rateNEW Hourly/annualized rate	7-day fixed rate Hourly/annualized rate	30-day fixed rate Hourly/annualized rate
USDT	0.000628% / 5.5%	0.00064% / 5.6%	0.000685% / 6%
USDC	0.000403% / 3.53%	0.000423% / 3.71%	0.000443% / 3.88%
ETH	0.000168% / 1.47% HOT	0.000176% / 1.55%	0.000185% / 1.62% HOT
BTC	0.000028% / 0.24%	0.000028% / 0.25%	0.00003% / 0.26% HOT
BNB	0.000187% / 1.63%	0.000204% / 1.79%	0.000223% / 1.95% HOT
SOL	0.000243% / 2.12%	0.000266% / 2.33%	0.00029% / 2.54% HOT
TRX	0.000892% / 7.81%	0.00098% / 8.59%	0.00107% / 9.37%
LINK	0.000227% / 1.98%	0.000249% / 2.18%	0.000271% / 2.38%
XRP	0.000124% / 1.08%	0.00013% / 1.14%	0.000136% / 1.19%
AAVE	0.000163% / 1.42%	0.000179% / 1.57%	0.000195% / 1.71%

USDT

Flexible loan interest rate

5.5%

7-day fixed rate

5.6%

30-day fixed rate

USDC

Flexible loan interest rate

3.53%

7-day fixed rate

3.71%

30-day fixed rate

3.88%

ETHHOT

Flexible loan interest rate

1.47%

7-day fixed rate

1.55%

30-day fixed rate

1.62%

BTCHOT

Flexible loan interest rate

0.24%

7-day fixed rate

0.25%

30-day fixed rate

0.26%

BNBHOT

Flexible loan interest rate

1.63%

7-day fixed rate

1.79%

30-day fixed rate

1.95%

SOLHOT

Flexible loan interest rate

2.12%

7-day fixed rate

2.33%

30-day fixed rate

2.54%

TRX

Flexible loan interest rate

7.81%

7-day fixed rate

8.59%

30-day fixed rate

9.37%

LINK

Flexible loan interest rate

1.98%

7-day fixed rate

2.18%

30-day fixed rate

2.38%

XRP

Flexible loan interest rate

1.08%

7-day fixed rate

1.14%

30-day fixed rate

1.19%

AAVE

Flexible loan interest rate

1.42%

7-day fixed rate

1.57%

30-day fixed rate

1.71%

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Crypto Loans

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FAQ

What is Bitget Crypto Loans?

What assets can be used as collateral?

What is the maximum loan duration?

What can I do with the borrowed assets?

How is interest calculated?

Can I repay in advance?

What happens if I fail to repay on time?

What happens in the event of liquidation or insufficient collateral?

What loan perks do I get as a Bitget VIP?

How are VIP and promotion discounts applied?