# How to Borrow on Flowty (Step by Step)

## First Visit to Flowty

1. Read our [Terms of Service](https://flowty.io/tos), [Privacy Policy](https://flowty.io/privacy), [FAQ](/reference/p2p-personal-loans/borrower/faq.md) and [Risks](/reference/p2p-personal-loans/borrower/borrower-risks.md) posts
2. If you have any questions or uncertainties following your review of the posts, please visit our [Discord](https://discord.gg/zAM4w6ePUE)
3. Connect any non-Dapper Wallet (Dapper Wallets only support buy/sell transactions) to Flowty
4. Save your email address — users are required to save an email address to their profile for notification purposes

{% embed url="<https://www.youtube.com/watch?v=tlb58GupurM>" %}
Video walkthrough of the flowty loan process
{% endembed %}

## Step by Step (some minor changes since video published)

1. Connect a Non-Dapper Wallet (Dapper Wallets only support buy/sell transactions)
2. Go to Profile (Dropdown Menu -> Profile)
3. Click the NFT that you want to borrow against
4. Navigate to "Loan" tab
5. Input desired loan terms. Please see our post on [How to Value and Price Loan Listings on Flowty](https://docs.flowty.io/blog/how-to-value-and-price-loan-listings-on-flowty) for some data and commentary that may be helpful in thinking through terms. Importantly, the inputs are fully dictated by the user. We will not be reviewing listings, and our team will not provide advice on specific listings. Please ensure that you fully understand the loan process before listing a loan.
6. Decide whether to opt in for Auto Repayment. If a Borrower opts in for Auto Repayment **AND** has a sufficient balance (of the same token as the loan) at loan expiration, our smart contract will repay the loan on the Borrower’s behalf.
7. Submit your listing to the Marketplace
8. Approve transaction
9. After submission, please review your loan listing in the Marketplace to ensure the listing is correct. There is a five-minute grace period after you have added a new listing to the Marketplace during which you can delist but Lenders cannot yet fund the loan listing. This is to ensure that users have adequate time to review and remedy any erroneous inputs or listings. As a reminder, the loan amount displayed in the Marketplace will be higher than the amount you will receive.


---

# 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.flowty.io/reference/p2p-personal-loans/borrower/how-to-borrow-on-flowty-step-by-step.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.