How does an Airtm Loan work?

How do I apply for a Loan?

1. Go to the Loans tab in your Airtm app.
2. Complete identity verification if you haven't done so yet — it only needs to be done once.
3. Enter the amount you'd like to borrow.
4. Choose your due date — select the repayment period that works best for you, up to a maximum of 61 days.
5. Review the applicable fees and interest, then accept the Terms and Conditions.

Funds will be credited to your account within minutes.

Why are you asking about my occupation and use of funds?

This information helps us personalize your limit and meet compliance requirements.

How much can I borrow and what does it cost?

The available amount depends on your profile and activity in Airtm. You'll see the maximum amount available to you directly in the Loans tab of the app.

The cost of your loan may include:

• A processing fee
• Daily interest
• A 5% late fee if not paid on time

In what currency do I receive the funds?

The loan is issued in USDC. You can withdraw it to your bank account, invest it in Blend, or send it to another Airtm account.

How long do I have to repay?

You choose the repayment period when you apply — the maximum is 61 days from approval. Your exact due date is recorded in the app.

Can I have two active Loans at the same time?

No. Only one active loan is allowed at a time.

Where can I see my Terms and Conditions and loan status?

In the Loans tab you'll find:

• The specific T&Cs for your loan in the loan detail, and the general product terms in the same tab
• A progress bar showing the current status of your payment
• Alerts as your due date approaches