OKX has introduced an important update to its interest-free policy affecting Institutional Loan repayments and the Simple Earn fixed program. Beginning November 10, 2025, the interest-free repayment window for Institutional Loans will be extended from 24 hours to 72 hours, giving clients more time and flexibility to manage their payments.
Updates for Institutional Loan Borrowers
With the new policy, borrowers who choose to repay loans more than 72 hours before the maturity date will now be subject to a prepayment fee equal to 100% of the remaining interest. However, if repayment takes place within the final 72 hours before maturity, no interest will be charged for the remaining full hours until the loan term ends.
This change provides greater convenience for borrowers who want to fine-tune their repayment schedules without incurring unnecessary costs.
Adjustments to the Simple Earn Fixed Program
For users participating in OKX’s Simple Earn fixed program, early termination made more than 72 hours before the term ends will require compensation equal to 100% of the residual interest. On the other hand, if a user redeems funds within the last 72 hours of the fixed term, no additional interest will be charged for the remaining period.
This adjustment is aimed at giving users more control over their investments and interest outcomes.
