HomeBlogBinance Loans Gids 2026: Hoe Crypto Te Lenen
Crypto-Backed Loans

Binance Loans Gids 2026: Hoe Crypto Te Lenen

Borrow against your crypto without selling. Get instant liquidity while keeping your long-term positions

Get a Crypto Loan

20% levenslange vergoedingskorting met 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.

Instant approval - no credit checks
Keep your crypto exposure
Competitive interest rates from 5% APR
Flexible repayment - pay anytime
No hidden fees or penalties

How It Works

1

Deposit Collateral

Lock your BTC, ETH, or other supported crypto

2

Borrow Instantly

Receive USDT, USDC, or other coins immediately

3

Use Your Funds

Trade, withdraw, or use however you like

4

Repay & Unlock

Pay back loan + interest to get collateral back

Loan Calculator

Estimate your loan amount, interest, and liquidation price

≈ $42,000

25% (Safe)65%80% (Max)

Loan Details

Max Loan Amount$27,300
Interest Rate8.5% APR
Daily Interest$6.36
Total Interest (30 days)$190.73
Liquidation Price
$53,631

* Rates are estimates. Actual rates may vary. Check Binance for current rates.

Understanding LTV Ratio

25-50% LTV

Safe Zone

Low liquidation risk. Price can drop 50%+ before liquidation.

50-65% LTV

Moderate Risk

Good balance of loan amount and safety margin.

65-80% LTV

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

BTCETHBNBSOLXRPADADOTMATICLINKAVAXATOMUNI+50 more

Borrowable Assets

USDTUSDCBUSDBTCETHBNBDAITUSD

How to Get a Binance Loan

1

Go to Binance Loans

Log into Binance and navigate to Earn → Crypto Loans

💡 Make sure you have completed identity verification (KYC)

2

Select Loan Parameters

Choose your collateral coin, loan coin, amount, and duration

💡 Start with lower LTV (50-65%) for safety buffer

3

Review & Confirm

Check the interest rate, liquidation price, and total repayment

💡 Note the liquidation price and set price alerts

4

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 Now

Use 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

Binance Product Guides

Explore more ways to use Binance and maximize your earnings

Binance Earn Gids

Verdien passief inkomen op Binance met Simple Earn, Launchpool en Dual Investment. Tot 100%+ APY.

Up to 100%+ APY

Binance Futures Gids

Beheers futures trading met tot 125x hefboom. Leer perpetual contracts, margin types en risicobeheer.

Up to 125x Leverage

Binance Launchpad Gids

Krijg vroege toegang tot nieuwe tokens. Koop tegen lanceerprijs of farm gratis met BNB op Launchpool.

Free Token Airdrops

Binance Copy Trading Gids

Kopieer automatisch ervaren traders. Geen handelservaring nodig - volg de professionals en verdien.

No Experience Needed

Binance Auto-Invest Gids

Automatiseer je beleggingsstrategie met Dollar-Cost Averaging. Stel een schema in en laat je vermogen groeien met vaste regelmatige inleg.

DCA Made Easy

BNB Token Voordelen Gids

Ontdek de kracht van BNB: geniet van handelskosten korting, participeer in token burns en unlock exclusieve voordelen op het Binance-ecosysteem.

25% Fee Discount

Binance Convert vs Spot Trading Gids

Vergelijk Convert en Spot Trading op Binance. Leer de voordelen en nadelen van beide methoden om slimmer te handelen.

Zero Fee Convert

Binance Web3 Wallet Gids

Verken DeFi en NFT's met je eigen wallet. Beheer je digitale activa veilig en ontgrendel kansen op het Web3-netwerk.

Self-Custody

Registreren bij Binance vanaf iPhone in 2026

Stap-voor-stap handleiding voor het aanmaken van een Binance-account op iPhone. Gebruik verwijzingscode TRADEOFF20 voor 20% korting op handelskosten. Inclusief adblocker troubleshooting.

20% Fee Discount

Registreren bij Binance vanaf Android in 2026

Stap-voor-stap handleiding voor het aanmaken van een Binance-account op Android. Gebruik verwijzingscode TRADEOFF20 voor 20% korting op handelskosten. Inclusief Chrome adblocker troubleshooting.

20% Fee Discount

Registreren op Binance iOS App in 2026

Download Binance uit de App Store en registreer met code TRADEOFF20 voor 20% korting. Complete iOS app installatiegids met Face ID.

20% Fee Discount

Binance Fees Guide

Complete guide to Binance trading fees and how to reduce them. Save up to 40% with referral codes and BNB discounts.

Fee Breakdown

Binance 2FA Verificatie Strategie 2026 | Veilige Setup Gids

Stap-voor-stap Binance 2FA setup gids voor 2026. Configureer Authenticator, anti-phishing code en opname whitelist in minuten. Gebruik TRADEOFF20 voor 20% kostenkorting.

Security Setup

Binance Referral Code 2026

Get 20% discount with code TRADEOFF20.

20% Discount

Binance Referral Code Not Working?

Fix referral code issues on Binance.

Troubleshoot

Binance Fee Calculator

Calculate your exact Binance trading fees.

Fee Calculator

Binance Fee Guide for Beginners

Simple guide to understanding Binance fees.

Beginner Guide

Binance Lowest Fee Settings

Optimize your settings for the lowest possible fees.

Save on Fees

Binance Spot vs Futures Fees

Compare spot and futures fee structures.

Fee Comparison

Binance vs OKX Fees

Side-by-side fee comparison of Binance and OKX.

Exchange Comparison

Is Binance 20% Discount Real?

Truth about the Binance 20% fee discount.

20% Off Verified

Binance Alpha Box Airdrop Guide

How to participate in Binance Alpha Box airdrops.

Free Airdrops

Add Binance Referral Code After Signup

How to add a referral code to existing account.

After Signup Fix

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.