Binance Loans Guide 2026: How to Borrow Crypto
Borrow against your crypto without selling. Get instant liquidity while keeping your long-term positions
Get a Crypto Loan20% lifetime fee discount with code TRADEOFF20
Copy Code: TRADEOFF20
Create Binance account with lifetime 20% fee discount.
Binance Register Link: 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
Unlock Liquidity Without Selling
Get instant crypto-backed loans on Binance. Keep your long-term positions while accessing the funds you need.
Get a Crypto Loan NowUse referral code TRADEOFF20 for 20% lifetime fee discount
Copy Code: TRADEOFF20
Create Binance account with lifetime 20% fee discount.
Binance Register Link: https://accounts.binance.com/register?ref=TRADEOFF20
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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.