Home Markets Trade Portfolio Dashboard

Crypto Loans

Borrow against your crypto without selling

$2.1B
Total Loans Issued
2.9%
Lowest Interest
30+
Collateral Options
Instant
Approval

How It Works

1. Deposit Collateral

Deposit your crypto assets as collateral. We support BTC, ETH, BNB, SOL, and 26 other assets as collateral for your loan.

2. Choose Loan Amount

Select your desired loan amount based on your collateral value. Borrow up to 75% of your collateral value (LTV) depending on the plan.

3. Receive Funds

Your loan is approved instantly and funds are deposited to your account. Receive USDT, USDC, or BUSD directly to your wallet.

4. Repay Anytime

Repay your loan at any time with no early repayment penalties. Your collateral is returned as soon as the loan is fully repaid.

Loan Plans

Flexible Loan

6.5% APR

LTV Ratio: Up to 65%

Term: Open-ended, repay anytime

Min Collateral: $100 equivalent

Fixed 30-Day Loan

4.9% APR

LTV Ratio: Up to 70%

Term: 30 days fixed

Min Collateral: $500 equivalent

Fixed 90-Day Loan

2.9% APR

LTV Ratio: Up to 75%

Term: 90 days fixed

Min Collateral: $1,000 equivalent

Supported Collateral

Bitcoin (BTC)

Use BTC as collateral with up to 75% LTV. The most widely accepted collateral asset with the deepest liquidity.

Ethereum (ETH)

Leverage your ETH holdings without selling. Competitive LTV ratios and instant loan approval for ETH collateral.

BNB

BNB holders can access loans with competitive rates. Maintain your BNB position while accessing liquidity.

Solana (SOL)

SOL is accepted as collateral with fast processing times. Keep your SOL exposure while borrowing stablecoins.

Frequently Asked Questions

What happens if my collateral value drops?
If your collateral value falls below the maintenance margin, you will receive a margin call notification asking you to add more collateral or partially repay the loan. If the LTV ratio reaches the liquidation threshold, a portion of your collateral may be sold to bring the ratio back to a safe level.
What is LTV (Loan-to-Value) ratio?
LTV is the ratio between your loan amount and your collateral value. For example, if you deposit $10,000 in BTC and take a loan with 65% LTV, you can borrow up to $6,500. Lower LTV means lower risk and potentially better interest rates.
Can I repay my loan early?
Yes, you can repay your loan at any time with no early repayment penalties. Interest is calculated only for the period the loan was active. Your collateral is released immediately upon full repayment.
What currencies can I borrow?
You can borrow stablecoins including USDT, USDC, and BUSD. This allows you to access fiat-equivalent value while maintaining your crypto positions. Borrowed funds are deposited directly to your NovaTrace wallet.
Is there a credit check required?
No credit check is required. Crypto loans on NovaTrace are fully collateralized, meaning your deposited crypto serves as the guarantee. Approval is instant as long as you meet the minimum collateral requirements.