Bybit launches Lite Loan: up to 1,000 USDT on BTC or ETH, no price liquidation for 30 days
The app-only loan charges an upfront service fee, 0.5% until 8 December and 1% after. Price moves alone cannot liquidate it during the 30-day term; once overdue it can be liquidated at 91% LTV or after 30 more days.
· Effective · Verified 2026-11-10 via official announcement
Effective Nov 9, 2026: Bybit launches Lite Loan: up to 1,000 USDT on BTC or ETH, no price liquidation for 30 days. Affects: Bybit app users with BTC or ETH who want a small short-term stablecoin loan. Source: announcements.bybit.com, verified Nov 10, 2026. Bybit code WQ3GV ($20 sign-up bonus).
Bybit launched Lite Loan in its app on 9 November 2026, letting users borrow 10 to 1,000 USDT or USDC against BTC or ETH for a fixed 30-day term at a 50% initial loan-to-value ratio. Bybit says collateral price changes alone will not trigger liquidation during that 30-day term.
The cost is a prepaid service fee taken from the loan amount and not refunded on early repayment. It is 0.5% for loans opened from 8:00 UTC on 9 November to 8:00 UTC on 8 December 2026, a launch promotion, and 1% after that. Repayment is in the borrowed asset, manually or automatically at maturity.
The protection ends at maturity. An unpaid loan enters an overdue period of up to 30 days with penalty interest at an annualized 36%, can be liquidated if its LTV reaches 91% (a warning applies at 85%), and is liquidated whatever the LTV if still unpaid after 30 overdue days. Liquidation carries a 2% fee.
Bybit says the product may not be available in every region, and Bybit lists the United States among the countries it does not serve.
“During the initial 30-day loan term, changes in the collateral price alone will not trigger liquidation.”
— Bybit Help Center, Introduction to Bybit Lite Loan
Who this affects
Bybit app users with BTC or ETH who want a small short-term stablecoin loan, where the product is offered.
Bybit at a glance
Bybit is a Dubai-headquartered centralised crypto exchange founded in 2018 by Ben Zhou. It offers spot, perpetual futures, options, copy trading and an on-chain Alpha section. The base tier charges 0.10% spot maker and taker and 0.055% taker on perpetuals. It does not serve the US, Canada or Singapore, and suffered a roughly $1.4-1.5B theft in February 2025.
Full Bybit sheet · 0.2% round trip
More from the newsroom
Sources
Last checked . Fees and terms change often; the venue's own page wins if it disagrees with ours.
- Bybit announcement - Explore Bybit Lite Loan: No Liquidation for 30 days (2026-11-09) — checked 2026-11-10
- Bybit Help Center - Introduction to Bybit Lite Loan — checked 2026-11-10
- Bybit Help Center - Service Restricted Countries — checked 2026-11-10
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