# As a Borrower {% hint style="success" %} **Zharta loans are protected from liquidation until loan maturity.** {% endhint %} Our borrower-friendly features are one of the main factors that set our protocol apart: * No Auto-Liquidations – No need to worry about Floor Prices dropping * [Delegation](https://zharta.gitbook.io/zharta-welcome-kit/legacy/nft-lending-v1/as-a-borrower/delegation) – Retain NFT Utility * Pro-Rata APR & Refinance Pro - At any point during your loan you can repay the loan or take new offers to improve conditions or extend the loan. * Improve conditions - The conditions of your loan can be improved anytime! * Mobile - Manage your loans anytime, anywhere! Our scalable UI will adapt to your phone, tablet, laptop, or desktop. * Lowest gas fees - Our platform has the lowest gas fees in the market. Zharta's Borrowers need only have one concern: to repay their loans before their maturity dates or take a refinance offer. No need to worry about health factors or liquidation prices.