# 4. Borrowing Assets

Here is how you can borrow assets on Surf:

1. Click Borrow on your chosen pool.
2. Enter the amount you want, then add an amount of collateral you're happy with. Use the Min, R(ecommended), or Max buttons to fill these out for you.
3. Hit Borrow and sign the wallet pop‑up—your request is queued.
4. When the batcher processes the order, liquidity arrives in your wallet and the loan’s fixed APR is stamped. You can view it anytime in Portfolio → Borrow Positions → Interest Rate.

Key points

* APR is locked when the order executes, not when you click Borrow—if utilisation rises before execution, later borrowers may pay a higher rate.
* 1‑day interest padding → A full day’s interest is added to the loan the moment it opens. This discourages ultra‑short loans aimed only at farming Cardano staking rewards.
* You can top‑up collateral at any time (instant transaction, no queue), but you cannot remove collateral until the loan is fully repaid.
* Keep an eye on the *current liquidation price* shown in both the Borrow and Add‑Collateral pop‑ups; we’ll add it to the Borrow Position table soon.


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.surflending.org/surf-mainnet-protocol/4.-borrowing-assets.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.