> For the complete documentation index, see [llms.txt](https://permapod.gitbook.io/home/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://permapod.gitbook.io/home/tutorial/dashboard-overview/borrow.md).

# Borrow

<figure><img src="/files/qfxcAFFFo7euEPiD9nOH" alt=""><figcaption></figcaption></figure>

Once you've [supplied](/home/tutorial/dashboard-overview/supply.md) collateral, you can borrow assets against it. Your borrowing power depends on how much you've supplied and each asset's LTV ratio.

***

#### Step 1 — Select an Asset

From the [Dashboard](https://app.permapod.xyz), find the asset you want to borrow in **Assets to borrow** and click **Borrow**.

You can also click **Borrow** next to an existing position in **Your borrows** to borrow more of the same asset.<br>

<figure><img src="/files/pUYxBvCjubW63loL8j0U" alt=""><figcaption><p>Click the Borrow button next to any asset in "Your borrows" or "Assets to borrow"</p></figcaption></figure>

***

#### Step 2 — Enter the Borrow Amount

In the Borrow window:

1. Enter the amount you want to borrow, or use the **slider**.
2. Review the key info displayed below the slider:
   * **Borrow APY** — the annual interest you'll pay.
   * **Health Factor** — how this borrow affects your safety level.
   * **Wallet Balance** — your current balance for this asset.<br>

<figure><img src="/files/NvQFyDSFME8RSZrUAXy4" alt=""><figcaption><p>Borrow window for USDC — enter amount, review APY and Health Factor</p></figcaption></figure>

***

#### Step 3 — Check Your Health Factor

The Account Summary on the right shows how this borrow will affect your **Health Factor**.

* **Green** = Safe position
* **Yellow** = Moderate risk
* **Red** = Danger — close to liquidation

{% hint style="danger" %}
If the borrow would push your Health Factor too low, you'll see a warning: *"Borrowing this amount will result in a low health factor. You risk liquidation."*
{% endhint %}

***

#### Step 4 — Confirm and Approve

Click **Borrow** to submit the transaction, then approve it in your wallet.

Once confirmed, the borrowed asset appears under **Your borrows** on the Dashboard.

***

{% hint style="info" icon="star" %}

#### Key Points

* Borrowed amounts **accrue interest** over time. Check your Borrow APY regularly.
* Your Health Factor must stay **above 1.0** to avoid liquidation. See [Health Factor & Liquidation](/home/tutorial/health-factor.md).
* To pay back your loan, see [Withdraw & Repay](/home/tutorial/dashboard-overview/withdraw-and-repay.md).
  {% endhint %}

{% hint style="success" %}
**Next step:** [Withdraw & Repay](/home/tutorial/dashboard-overview/withdraw-and-repay.md) to learn how to retrieve assets and pay off debt.
{% endhint %}


---

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