Generally speaking, certificates of deposit can be used for loans, and you can apply for pledged loans. As long as you are at least 18 years old, have full capacity for civil conduct, have valid identification, and have proof that the deposit certificate has not expired, you can use this time deposit certificate as collateral to borrow money from a lending institution. Apply for pledge loan with certificate of deposit. The initial loan amount is 6,543,800 yuan, and the pledge rate does not exceed 95%. The loan term cannot exceed 5 years, and the maturity date of the pledged deposit certificate cannot exceed. If multiple certificates of deposit are used as collateral at the same time, the loan term shall be subject to the latest maturity date.