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USDC$0.99988-0.00%|

SOL$114.1900-3.27%|

TRX$0.34027-0.45%|

ZEC$1,512.73-0.05%|

FIGR_HELOC$1.0270-1.07%|

HYPE$92.9200-3.74%|

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USD1$0.99953+0.01%|

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GRAM$1.4100-2.66%|

BTC$84,296-2.28%|

ETH$2,672.18-2.89%|

USDT$0.99989-0.00%|

BNB$765.7000-2.48%|

XRP$1.4800-5.51%|

USDC$0.99988-0.00%|

SOL$114.1900-3.27%|

TRX$0.34027-0.45%|

ZEC$1,512.73-0.05%|

FIGR_HELOC$1.0270-1.07%|

HYPE$92.9200-3.74%|

DOGE$0.09202-8.11%|

XMR$551.4200-2.64%|

WBT$84.5000-2.48%|

USDS$0.99987-0.00%|

LINK$12.2500-5.48%|

ADA$0.23728-5.94%|

RAIN$0.01226-6.35%|

LEO$8.9600-0.20%|

XLM$0.20098-6.46%|

BCH$339.4000+0.36%|

NEAR$4.3400+1.57%|

UNI$9.1400-2.80%|

USDE$0.99973-0.01%|

LTC$60.8700-2.76%|

DAI$0.99987-0.01%|

AVAX$10.2900-6.59%|

USD1$0.99953+0.01%|

CC$0.10874-3.95%|

GRAM$1.4100-2.66%|

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ExchangeTier-2KYC required

Crypto.com Loans

Fiat and crypto-backed loans with crypto card and tier integration.

4.0

Visit website

Overview

Crypto.com Loans is the lending service offered by Crypto.com, one of the largest crypto platforms globally. It uniquely offers both fiat and crypto-backed loans with rates ranging from 1.9% to 18.9% APR depending on your tier — with VIP users enjoying 0% interest. The service is deeply integrated with the Crypto.com Card ecosystem.

Tier-Based Pricing

Crypto.com uses a tier system where users with higher CRO staking levels get better rates and terms. VIP users can access 0% interest loans, making it one of the most competitive options for existing Crypto.com ecosystem participants.

Fiat + Crypto Loans

Unlike most crypto lending platforms that only offer crypto-to-crypto loans, Crypto.com also offers fiat loans — users can borrow USD or other fiat currencies against their crypto collateral, providing a way to access liquidity without selling crypto holdings.

Pros & Cons

Pros

Fiat loan options — borrow USD against crypto collateral
0% interest for VIP tier users
Crypto.com Card integration for spending borrowed funds
Tier system rewards loyal ecosystem users
Instant approval for verified users
Flexible collateral options including fiat + crypto

Cons

Rates vary widely (1.9%-18.9%) depending on tier
Custodial — exchange holds your collateral
KYC required — strict verification process
Best rates require significant CRO staking commitment

Key Features

Fiat loan options

Crypto Card integration

Tier system

Instant approval

Flexible collateral

Frequently Asked Questions

Can I borrow fiat currency on Crypto.com?

Yes, Crypto.com offers both fiat and crypto-backed loans. You can borrow USD or other fiat currencies against your crypto collateral, which is unique among crypto lending platforms.

How do I get 0% interest on Crypto.com Loans?

0% interest is available for VIP tier users. You need to stake a significant amount of CRO tokens to reach VIP status. Lower tiers get rates from 1.9% to 18.9% APR.

Is Crypto.com Loans safe?

Crypto.com is a regulated exchange with insurance coverage and strong security practices. However, as a custodial service, your collateral is held by the exchange, not in self-custody.