# Switch collateral You can switch collateral in one click, even if you're still locked in a loan! Main use case: you lent USDT, but USDC rates are higher than USDT rates. The problem is you can’t repay your loan yet, and you can’t withdraw USDT and then swap it for USDC. The Switch Collateral feature was built for this use case. Even if you’re locked in a current loan and unable to repay in order to change collateral, we allow you to switch in one click! This feature uses Aave’s flashloans, and a 0.01% fee applies. {% embed url="" %} --- # 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.mass.money/general/credit/switch-collateral.md?ask= ``` 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.