BTCBTC$84,296-2.28%|
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USDTUSDT$0.99989-0.00%|
BNBBNB$765.7000-2.48%|
XRPXRP$1.4800-5.51%|
USDCUSDC$0.99988-0.00%|
SOLSOL$114.1900-3.27%|
TRXTRX$0.34027-0.45%|
ZECZEC$1,512.73-0.05%|
FIGR_HELOCFIGR_HELOC$1.0270-1.07%|
HYPEHYPE$92.9200-3.74%|
DOGEDOGE$0.09202-8.11%|
XMRXMR$551.4200-2.64%|
WBTWBT$84.5000-2.48%|
USDSUSDS$0.99987-0.00%|
LINKLINK$12.2500-5.48%|
ADAADA$0.23728-5.94%|
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LEOLEO$8.9600-0.20%|
XLMXLM$0.20098-6.46%|
BCHBCH$339.4000+0.36%|
NEARNEAR$4.3400+1.57%|
UNIUNI$9.1400-2.80%|
USDEUSDE$0.99973-0.01%|
LTCLTC$60.8700-2.76%|
DAIDAI$0.99987-0.01%|
AVAXAVAX$10.2900-6.59%|
USD1USD1$0.99953+0.01%|
CCCC$0.10874-3.95%|
GRAMGRAM$1.4100-2.66%|
BTCBTC$84,296-2.28%|
ETHETH$2,672.18-2.89%|
USDTUSDT$0.99989-0.00%|
BNBBNB$765.7000-2.48%|
XRPXRP$1.4800-5.51%|
USDCUSDC$0.99988-0.00%|
SOLSOL$114.1900-3.27%|
TRXTRX$0.34027-0.45%|
ZECZEC$1,512.73-0.05%|
FIGR_HELOCFIGR_HELOC$1.0270-1.07%|
HYPEHYPE$92.9200-3.74%|
DOGEDOGE$0.09202-8.11%|
XMRXMR$551.4200-2.64%|
WBTWBT$84.5000-2.48%|
USDSUSDS$0.99987-0.00%|
LINKLINK$12.2500-5.48%|
ADAADA$0.23728-5.94%|
RAINRAIN$0.01226-6.35%|
LEOLEO$8.9600-0.20%|
XLMXLM$0.20098-6.46%|
BCHBCH$339.4000+0.36%|
NEARNEAR$4.3400+1.57%|
UNIUNI$9.1400-2.80%|
USDEUSDE$0.99973-0.01%|
LTCLTC$60.8700-2.76%|
DAIDAI$0.99987-0.01%|
AVAXAVAX$10.2900-6.59%|
USD1USD1$0.99953+0.01%|
CCCC$0.10874-3.95%|
GRAMGRAM$1.4100-2.66%|
Bitget Loans
ExchangeTier-2KYC required

Bitget Loans

Lowest-rate exchange lending with hourly interest and no early repayment penalties.

Overview

Bitget Loans is the lending arm of Bitget, one of the world's largest crypto exchanges. Launched in 2022, it offers crypto-backed loans with rates starting from 3.96% APR — among the lowest in the exchange lending space. The platform supports 40+ assets as collateral and features hourly interest calculation with no early repayment penalties.

How It Works

As a custodial exchange-based lending service, Bitget Loans allows users to pledge their crypto holdings as collateral and borrow against them. The platform calculates interest hourly, meaning users only pay for the time they actually use the loan. There are no early repayment penalties, giving borrowers maximum flexibility.

Integration with Bitget Ecosystem

Bitget Loans is fully integrated with the broader Bitget ecosystem, including spot trading, futures, and copy trading. This allows users to use borrowed funds directly within the exchange without needing to transfer assets externally.

Pros & Cons

Pros

  • Lowest rates among major exchanges — from 3.96% APR
  • Hourly interest calculation — pay only for time used
  • No early repayment penalties
  • 40+ supported collateral assets
  • Seamless integration with Bitget trading ecosystem
  • Instant approval for verified users

Cons

  • Custodial — users do not control their private keys
  • KYC required — not suitable for privacy-conscious users
  • Exchange risk — funds are held by Bitget, not self-custodied
  • Limited to assets listed on the Bitget exchange

Key Features

Lowest rates among exchanges
Hourly interest
No early repayment penalties

Frequently Asked Questions

How does hourly interest work on Bitget Loans?

Interest is calculated every hour based on your outstanding loan amount. This means you only pay for the exact time you use the loan, and you can repay at any time without penalties.

Is KYC required for Bitget Loans?

Yes, Bitget is a regulated exchange and requires KYC verification for all users before they can use the lending service.

What happens if my collateral value drops?

If your loan-to-value (LTV) ratio exceeds the liquidation threshold, Bitget will liquidate part of your collateral to repay the loan. You can monitor your LTV in real-time and add collateral to avoid liquidation.

Key Facts

TierTier-2
TypeExchange
Interest RateFrom 3.96% APR
LTV RatioAsset-dependent
TVLN/A
CustodyCustodial
KYC requiredYes
Loan TypesFlexible loans
Collateral40+ assets
Founded2022
Trust score80

Supported Chains

Multi-chain
Visit Bitget Loans