Lending loan terms are 12 months in length. The expiry time is defaulted to 00:01:00 UTC the day after you took out the loan in the following year. You can choose to repay at any time with any amount during the loan term.

For example:

If a user takes out a loan at 12:05:00 UTC on 17 December 2020, the expiry time of this loan will be 00:01:00 UTC on 18 December 2021.

To borrow a loan:

  1. Log In to your Exchange account
  2. Go to Dashboard > Lending > Loans
  3. Tap Start a New Loan to apply for a loan
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