Crypto.com 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.
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:
Log In to your Crypto.com Exchange account
Go to Dashboard > Lending > Loans
Tap Start a New Loan to apply for a loan