Borrow Against
Your Crypto
Get instant loans without selling. Use BTC, ETH, USDT as collateral with rates as low as 2.9% APR. Keep your position, unlock liquidity.
Choose Your Loan Type
Flexible credit solutions designed for every crypto holder — from quick cash to leveraged trading.
Quick Loan
Instant liquidity against your crypto. No credit check, no waiting. Funds in your wallet in under 5 minutes.
Flexible Loan
Adjustable terms to match your strategy. Choose repayment schedule, top up collateral, or extend duration anytime.
Margin Loan
Amplify your trading power with leveraged positions. Borrow to trade futures, options, and spot pairs with up to 10x.
Three Simple Steps
From collateral deposit to receiving funds — the entire process takes less than 5 minutes.
Deposit Collateral
Transfer BTC, ETH, USDT, or other supported tokens to your Bitget loan wallet securely.
Receive Loan
Get instant approval based on your collateral value. Choose your loan amount and preferred currency.
Trade / Withdraw
Use loaned funds for trading, DeFi strategies, or withdraw to your bank — without selling your crypto.
Estimate Your Loan
Adjust collateral and LTV to see your loan amount and risk level in real time.
Accepted Collateral
Use top cryptocurrencies as collateral with competitive loan-to-value ratios. Hover to explore.
Frequently Asked
Everything you need to know about Bitget Crypto Credit & Loan.
Bitget Crypto Credit & Loan lets you borrow fiat or stablecoins against your crypto holdings without selling them. Simply deposit BTC, ETH, or other supported tokens as collateral and receive instant loans at competitive rates starting from 2.9% APR.
Most loans are approved and disbursed within 5 minutes. There is no credit check required — approval is based entirely on your collateral value and the chosen LTV ratio.
Bitget monitors your Loan-to-Value (LTV) ratio in real time. If your LTV approaches the liquidation threshold, you will receive a margin call notification. You can top up your collateral or repay part of the loan to maintain a safe position.
Yes, you can repay your loan at any time without penalty. Interest is calculated only on the outstanding balance for the days the loan is active, so early repayment saves you money.
We accept BTC, ETH, USDT, BNB, SOL, DOGE, ADA, DOT, and more. Each asset has its own maximum LTV ratio based on market volatility. Check the Collateral section above for the latest supported assets and rates.
Absolutely. All collateral is stored in Bitget's industry-leading cold wallet system with multi-signature protection and 24/7 risk monitoring. We maintain a $300M+ protection fund for extra security.
APR starts from 2.9% for Quick Loans and varies by loan type, collateral asset, and LTV ratio. Rates are competitive with traditional lending and significantly lower than most crypto lending platforms.
Yes. Loaned funds can be used directly for spot and futures trading on Bitget, transferred to other wallets, or withdrawn to your bank account. Margin Loan users can access up to 10x leverage on 100+ trading pairs.
Risk Disclosure
Crypto-backed loans involve significant risk, including the potential liquidation of your collateral if market prices drop below the required threshold. Interest rates are variable and may change based on market conditions. Bitget does not provide financial advice. Please ensure you fully understand the terms before borrowing. Past performance does not guarantee future results. This service may not be available in all jurisdictions.
Get Your Crypto Loan
Unlock the value of your crypto without selling. Borrow in minutes with rates as low as 2.9% APR.