> ## Documentation Index
> Fetch the complete documentation index at: https://docs.loopscale.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Borrow on Loopscale Markets

Loopscale allows users to borrow digital assets against a wide range of collateral through isolated, fixed-rate lending markets. Borrowers are matched directly with lenders based on specified terms. View a complete list of eligible collateral on the bottom of the [Borrow](https://app.loopscale.com/borrow) page on the Loopscale app.

Borrowers receive loans by locking eligible collateral and selecting a loan offer based on amount, duration, and fixed interest rate. Loans are overcollateralized and require active management to avoid liquidation if collateral values fall.

## Key Concepts

**Fixed Rates:** All loans on Loopscale are issued at fixed interest rates for a defined term. This gives borrowers predictable borrowing costs, unaffected by short-term market volatility. Loan terms typically range from 1 day to 3 months, depending on available offers in the market. Healthy loans will [auto-refinance](/using-loopscale/borrow/refinances) at the end of the term.

**Overcollateralization:** Loopscale loans require collateral that exceeds the value of the borrowed asset. The protocol enforces Max LTV (Loan-to-Value), the highest percentage of collateral value you can borrow against and Liquidation LTV, the threshold at which your position becomes eligible for partial or full liquidation. Each collateral type has its own risk-adjusted LTV limits.

## Borrow

<Tabs>
  <Tab title="Quick Borrow">
    The easiest way to borrow on Loopscale is to go to the [Borrow page](https://app.loopscale.com/borrow) and click “Borrow” next to the token you wish to borrow. Then:

    1. Choose your collateral and its amount
    2. Select how safe or aggressive you wish to be with your LTV (click “Show more” to see more stats like health and liquidation price)
    3. Click “Borrow” to open up a borrow position. Through this interface, Loopscale borrows at 1-day fixed rate.
  </Tab>

  <Tab title="Advanced Borrow">
    The Advanced Borrow interface allows greater control:

    * Choose from multiple available loan terms (1D, 7D, 30D, 90D, etc.)
    * Review real-time order book depth and available offers
    * Customize your position to match your strategy and risk tolerance

    This mode is recommended for users who want to optimize duration, rate, and collateral usage.
  </Tab>
</Tabs>

## Manage Loan

Once your loan is open, you can:

* Monitor its health factor in the [Portfolio](https://app.loopscale.com/portfolio)
* Add or remove collateral
* Partially or fully repay the loan at any time
* Adjust the terms of your loan.

Learn more in [Health & Liquidations](/using-loopscale/borrow/health-and-liquidations) and [Refinances](/using-loopscale/borrow/refinances).