Last Updated on July 31, 2025 by Olga Davis
At CoinRabbit, we know that when it comes to crypto-backed lending, cost and timing are everything. That’s why we offer a fixed-term loan designed specifically for those who want a lower crypto lending rate and a clearly defined borrowing period.
In this guide, we’ll explain how the fixed-term loan works, how it compares to open-ended lending, what happens at the end of the term, and how you can launch your crypto loan in just a few steps.

What Are Fixed-Term Loans?
Our fixed-term loan is a crypto-backed lending option designed for those who prefer structure, clarity, and lower borrowing costs. Unlike open-ended loans that continue until you close them manually, fixed-term loans have a set timeline and a clearly defined cost, giving you full control over what, when, and how much you’ll repay.
With a fixed 30-day term and interest calculated upfront, you get complete cost certainty from the start. The rate is lower than the standard open-ended option, and there are no penalties for early repayment.
How Crypto Lending Rates Work in Fixed-Term Loans
With our fixed-term model, your crypto lending rate is applied at the beginning of the loan to calculate the total interest for the 30-day period. That’s it: no monthly recalculations and no compound growth.
Let’s say you borrow $1,000. The interest is locked in on day one, based on the fixed rate for 30 days. You’ll know exactly how much you owe from the start.
And if you decide to repay early? You can do that anytime before the due date with no penalties and no hidden costs. This approach helps you borrow with confidence, knowing you’re getting reliable, stable crypto lending rates with a defined timeline and no surprises.
What Happens at the End of a Fixed-Term Loan?
We’ve designed the loan closure process to be simple and automatic, with full transparency:
1. Advance Notice
Three days before the maturity date, we’ll send you a reminder. You’ll have time to repay or top up your internal wallet if needed.
2. Wallet Balance Used First
If no repayment is made manually, we’ll automatically attempt to close the loan using any available funds in your internal CoinRabbit wallet.
3. Collateral Liquidation (If Needed)
If your wallet doesn’t have enough to cover the loan, we’ll use a portion of your collateral — in line with our Liquidation Policy — to close the position.
Of course, you remain in full control throughout. You can repay manually at any time before the deadline and avoid automatic action entirely.
How to Get a Fixed-Term Loan — Step by Step
Launching your fixed-term loan is fast, secure, and requires no credit check. Here’s how it works:

Step 1: Visit CoinRabbit and enter loan details
Go to coinrabbit.io, choose your loan amount and select your collateral — whether BTC, ETH, USDT, or another 300+ supported assets.
Step 2: Choose the Fixed-Term option
Select the fixed 30-day loan. You’ll immediately see the crypto lending rate and monthly interest amount.

Step 3: Confirm and Deposit Collateral
Review the terms, confirm your loan details, and deposit your crypto to our secure address.

Step 4: Receive Crypto
Once confirmed, your funds will be sent directly to your wallet, usually within minutes. No verification is required.
When Fixed-Term Loans Make Sense
CoinRabbit fixed-term Loan is built for real-world situations where cost and timing matter. Here’s when it fits best:
- Tax Efficiency
Borrow against your crypto instead of selling it, and potentially avoid triggering capital gains.
- Short-Term Liquidity
Cover expenses or manage cash flow over a 30-day window, without committing to an open-ended loan.
- DeFi and Trading Strategies
Access stablecoins at a lower rate while keeping long exposure to your crypto assets.