Loans
Borrow stablecoins or other crypto against your holdings. Retain ownership, access liquidity. Terms are transparent and confirmed at origination.
Interest rates
4.4 %*
Flexible · p.a.
Variable rate · repay anytime · 1.5% below the fixed rate
5.9 %*
Fixed term · p.a.
30, 90, 180 or 365 days · rate locked for the term
* Indicative annual rates for standard loans. Your final rate is confirmed at origination and depends on the collateral asset, loan-to-value and term. Interest accrues daily and you may repay at any time. Rates are not a guarantee of future pricing.
01Fees
Interest is the only cost of a standard loan. There are no hidden charges: what you see here and in the calculator is what governs your loan, confirmed at origination.
02Loan Calculator
Figures are estimates based on the current price. Final terms are confirmed at the time of collateral receipt.
Max LTV for BTC: 70%
Loan term
Maximum loan amount
03Collateral
Deposit any of the following to secure your loan.
BTCBitcoin
ETHEthereum
SOLSolana
XRPXRP
BNBBNB
LTCLitecoinAll collateral is valued in USD at the time of origination. The exact amount and network will be specified in your application confirmation.
04Loan-to-Value
Your loan-to-value ratio is monitored continuously. We alert you well before any action is required.
We prioritize communication and provide multiple notifications before any manual collateral action is considered.
If your loan-to-value ratio approaches 70%, we will contact you several times asking you to add collateral or repay part of your loan. Please respond to these notifications — staying in touch gives us the room to act in your interest.
During rapid market drops or short-term volatility, we hold off on any collateral action and aim to give you adequate time to top up.
If a position stays above 70% loan-to-value continuously for several hours, we may — to protect both parties and after the communication described above — proceed with a manual, reviewed liquidation of collateral. This is always a last resort.
We recommend keeping your loan-to-value ratio at or below 50% to maintain a comfortable safety margin.
Premium Client Service
Dedicated Account Specialist — Clients with larger financing requirements may receive access to a dedicated account specialist who can assist with customized solutions, larger transactions and priority support.
Apply for a loan05Payout
USDTTether
USDCUSD CoinBTCBitcoinETHEthereumMost loans are processed within a few hours after collateral confirmation.
06Blog
Pledge your coins as collateral instead of selling them: how a crypto loan works, how the amount is calculated, what the risks are — with a glossary, a worked example and an FAQ.
Loan-to-value (LTV) decides how much credit your coins can carry. How it is calculated, what 50, 60 and 70 percent mean, and how Trade Lend communicates as LTV rises — with a worked example and FAQ.
From calculation to payout: a calm, complete walkthrough of how to apply for a crypto-backed loan at Trade Lend — with a checklist, a worked example and an FAQ.