# Binance Loans 2026: Borrow Against Your Crypto Borrow against your crypto without selling. Get instant liquidity while keeping your positions. Source: https://cryptoexchange.discount/blog/binance-loans Canonical: https://cryptoexchange.discount/blog/binance-loans [Home](https://cryptoexchange.discount/en) [View All Guides](https://cryptoexchange.discount/guides) [Kraken](https://cryptoexchange.discount/kraken) [Binance](https://cryptoexchange.discount/binance) [Aster](https://cryptoexchange.discount/aster) [OKX](https://cryptoexchange.discount/okx) [Gate.io](https://cryptoexchange.discount/gate) [Bybit](https://cryptoexchange.discount/bybit) [MEXC](https://cryptoexchange.discount/mexc) [Backpack](https://cryptoexchange.discount/backpack) [CEX.IO](https://cryptoexchange.discount/cexio) [Bitvavo](https://cryptoexchange.discount/bitvavo) [Ledger](https://cryptoexchange.discount/ledger) [Trezor](https://cryptoexchange.discount/trezor) [SafePal](https://cryptoexchange.discount/safepal) [TradingView](https://cryptoexchange.discount/tradingview) [RedotPay](https://cryptoexchange.discount/redotpay) [Blog](https://cryptoexchange.discount/en/blog) [Home](https://cryptoexchange.discount/en) [Blog](https://cryptoexchange.discount/en/blog) # Binance Loans Guide Borrow against your crypto without selling. Get instant liquidity while keeping your long-term positions ### Copy Code: TRADEOFF20 Create Binance account with lifetime 20% fee discount. Binance Register Link: https://accounts.binance.com/register?ref=TRADEOFF20 `TRADEOFF20` [Create Binance Account](https://accounts.binance.com/register?ref=TRADEOFF20) ## What is Binance Loans? Binance Loans lets you borrow crypto or stablecoins using your existing crypto holdings as collateral. Instead of selling your Bitcoin or Ethereum, you can unlock liquidity while maintaining exposure to potential price increases. ### How It Works #### Deposit Collateral Lock your BTC, ETH, or other supported crypto #### Borrow Instantly Receive USDT, USDC, or other coins immediately #### Use Your Funds Trade, withdraw, or use however you like #### Repay & Unlock Pay back loan + interest to get collateral back ## Loan Calculator Estimate your loan amount, interest, and liquidation price ≈ $42,000 ### Loan Details * Rates are estimates. Actual rates may vary. Check Binance for current rates. ## Understanding LTV Ratio ### Safe Zone Low liquidation risk. Price can drop 50%+ before liquidation. ### Moderate Risk Good balance of loan amount and safety margin. ### High Risk Maximum loan but higher liquidation risk. Monitor closely. ### What Happens at Liquidation? If your collateral value drops and LTV reaches 83%, Binance will automatically sell your collateral to repay the loan. You keep the borrowed funds but lose part or all of your collateral. Always monitor your position and add collateral if needed. ## When to Use Crypto Loans ### Avoid Selling at a Loss Need cash but crypto is down? Borrow instead of selling low. Repay when prices recover. ### Tax Optimization Borrowing is not a taxable event in most jurisdictions. Access funds without triggering capital gains. ### Leverage Trading Borrow stablecoins to buy more crypto. Amplify gains (and risks) without using margin. ### Real-World Expenses Pay bills, make purchases, or cover emergencies without liquidating your long-term holdings. ## Supported Collateral & Loan Assets ### Collateral Options ### Borrowable Assets ## How to Get a Binance Loan ### Go to Binance Loans Log into Binance and navigate to Earn → Crypto Loans 💡 Make sure you have completed identity verification (KYC) ### Select Loan Parameters Choose your collateral coin, loan coin, amount, and duration 💡 Start with lower LTV (50-65%) for safety buffer ### Review & Confirm Check the interest rate, liquidation price, and total repayment 💡 Note the liquidation price and set price alerts ### Receive Your Loan Funds are credited to your spot wallet instantly 💡 You can repay early anytime with no penalties ## Pro Tips for Crypto Loans ### Set Price Alerts Set alerts at 10-20% above your liquidation price to add collateral in time ### Keep LTV Low Borrow less than maximum (50-60% LTV) for a larger safety margin ### Use Stablecoins as Collateral USDT/USDC as collateral means no liquidation risk from price drops ### Repay Early Interest is calculated hourly. Repay early to save on interest costs ### Copy Code: TRADEOFF20 Create Binance account with lifetime 20% fee discount. Binance Register Link: https://accounts.binance.com/register?ref=TRADEOFF20 `TRADEOFF20` [Create Binance Account](https://accounts.binance.com/register?ref=TRADEOFF20) ## Related Articles - [01 min read Binance Fee Guide for Beginners: Everything You Need to Know Complete beginner guide to Binance fees. Understand trading, deposit, and withdrawal fees. Save 20% with TRADEOFF20.](https://cryptoexchange.discount/blog/binance-fee-guide-beginners) **Disclaimer:** This article contains referral links. Crypto loans carry liquidation risk. If your collateral value drops significantly, you may lose your collateral. Only borrow what you can afford to repay. Interest rates are subject to change. This is not financial advice. [Back to Blog](https://cryptoexchange.discount/en/blog) ## Agent Interfaces - API catalog: https://cryptoexchange.discount/.well-known/api-catalog - Service documentation: https://cryptoexchange.discount/docs/api - MCP server card: https://cryptoexchange.discount/.well-known/mcp/server-card.json - MCP endpoint: https://cryptoexchange.discount/mcp ## Available Agent Tools - searchExchanges: Search crypto exchanges, wallets, analytics tools, and crypto cards by name, promo code, or feature. - getReferralCode: Get the current referral code, offer details, and signup URL for a specific exchange or product. - listDiscounts: List the highest-rated verified discounts currently featured on the site.