diff --git a/web/components/amount-input.tsx b/web/components/amount-input.tsx
index dcc29465..1187953d 100644
--- a/web/components/amount-input.tsx
+++ b/web/components/amount-input.tsx
@@ -1,15 +1,20 @@
 import clsx from 'clsx'
+import _ from 'lodash'
 import { useUser } from '../hooks/use-user'
 import { formatMoney } from '../../common/util/format'
-import { AddFundsButton } from './add-funds-button'
 import { Col } from './layout/col'
 import { Row } from './layout/row'
+import { useUserContractBets } from '../hooks/use-user-bets'
+import { MAX_LOAN_PER_CONTRACT } from '../../common/bet'
+import { InfoTooltip } from './info-tooltip'
+import { Spacer } from './layout/spacer'
 
 export function AmountInput(props: {
   amount: number | undefined
   onChange: (newAmount: number | undefined) => void
   error: string | undefined
   setError: (error: string | undefined) => void
+  contractId: string | undefined
   minimumAmount?: number
   disabled?: boolean
   className?: string
@@ -22,6 +27,7 @@ export function AmountInput(props: {
     onChange,
     error,
     setError,
+    contractId,
     disabled,
     className,
     inputClassName,
@@ -31,10 +37,23 @@ export function AmountInput(props: {
 
   const user = useUser()
 
+  const userBets = useUserContractBets(user?.id, contractId) ?? []
+  const prevLoanAmount = _.sumBy(userBets, (bet) => bet.loanAmount ?? 0)
+
+  const loanAmount = Math.min(
+    amount ?? 0,
+    MAX_LOAN_PER_CONTRACT - prevLoanAmount
+  )
+
   const onAmountChange = (str: string) => {
+    if (str.includes('-')) {
+      onChange(undefined)
+      return
+    }
     const amount = parseInt(str.replace(/[^\d]/, ''))
 
     if (str && isNaN(amount)) return
+    if (amount >= 10 ** 9) return
 
     onChange(str ? amount : undefined)
 
@@ -47,7 +66,8 @@ export function AmountInput(props: {
     }
   }
 
-  const remainingBalance = Math.max(0, (user?.balance ?? 0) - (amount ?? 0))
+  const amountNetLoan = (amount ?? 0) - loanAmount
+  const remainingBalance = Math.max(0, (user?.balance ?? 0) - amountNetLoan)
 
   return (
     <Col className={className}>
@@ -68,19 +88,34 @@ export function AmountInput(props: {
           onChange={(e) => onAmountChange(e.target.value)}
         />
       </label>
+
+      <Spacer h={4} />
+
       {error && (
-        <div className="mr-auto mt-4 self-center whitespace-nowrap text-xs font-medium tracking-wide text-red-500">
+        <div className="mb-2 mr-auto self-center whitespace-nowrap text-xs font-medium tracking-wide text-red-500">
           {error}
         </div>
       )}
       {user && (
-        <Col className="mt-3 text-sm">
-          <div className="mb-2 whitespace-nowrap text-gray-500">
-            Remaining balance
-          </div>
-          <Row className="gap-4">
-            <div>{formatMoney(Math.floor(remainingBalance))}</div>
-            {user.balance !== 1000 && <AddFundsButton />}
+        <Col className="text-sm gap-3">
+          {contractId && (
+            <Row className="items-center justify-between gap-2 text-gray-500">
+              <Row className="items-center gap-2">
+                Loan amount{' '}
+                <InfoTooltip
+                  text={`Up to ${formatMoney(
+                    MAX_LOAN_PER_CONTRACT
+                  )} is automatically borrowed and repaid when the market resolves.`}
+                />
+              </Row>
+              <span className="text-neutral">{formatMoney(loanAmount)}</span>{' '}
+            </Row>
+          )}
+          <Row className="items-center justify-between gap-2 text-gray-500">
+            Remaining balance{' '}
+            <span className="text-neutral">
+              {formatMoney(remainingBalance)}
+            </span>
           </Row>
         </Col>
       )}
diff --git a/web/components/answers/answer-bet-panel.tsx b/web/components/answers/answer-bet-panel.tsx
index 33a0593f..4cd67369 100644
--- a/web/components/answers/answer-bet-panel.tsx
+++ b/web/components/answers/answer-bet-panel.tsx
@@ -114,40 +114,44 @@ export function AnswerBetPanel(props: {
         setError={setError}
         disabled={isSubmitting}
         inputRef={inputRef}
+        contractId={contract.id}
       />
+      <Col className="gap-3 mt-3 w-64">
+        <Row className="justify-between items-center text-sm">
+          <div className="text-gray-500">Probability</div>
+          <Row>
+            <div>{formatPercent(initialProb)}</div>
+            <div className="mx-2">→</div>
+            <div>{formatPercent(resultProb)}</div>
+          </Row>
+        </Row>
 
-      <Spacer h={4} />
-
-      <div className="mt-2 mb-1 text-sm text-gray-500">Implied probability</div>
-      <Row>
-        <div>{formatPercent(initialProb)}</div>
-        <div className="mx-2">→</div>
-        <div>{formatPercent(resultProb)}</div>
-      </Row>
-
-      <Spacer h={4} />
-
-      <Row className="mt-2 mb-1 items-center gap-2 text-sm text-gray-500">
-        Payout if chosen
-        <InfoTooltip
-          text={`Current payout for ${formatWithCommas(
-            shares
-          )} / ${formatWithCommas(
-            shares + contract.totalShares[answerId]
-          )} shares`}
-        />
-      </Row>
-      <div>
-        {formatMoney(currentPayout)}
-        &nbsp; <span>(+{currentReturnPercent})</span>
-      </div>
+        <Row className="justify-between items-start text-sm gap-2">
+          <Row className="flex-nowrap whitespace-nowrap items-center gap-2 text-gray-500">
+            <div>Payout if chosen</div>
+            <InfoTooltip
+              text={`Current payout for ${formatWithCommas(
+                shares
+              )} / ${formatWithCommas(
+                shares + contract.totalShares[answerId]
+              )} shares`}
+            />
+          </Row>
+          <Row className="flex-wrap justify-end items-end gap-2">
+            <span className="whitespace-nowrap">
+              {formatMoney(currentPayout)}
+            </span>
+            <span>(+{currentReturnPercent})</span>
+          </Row>
+        </Row>
+      </Col>
 
       <Spacer h={6} />
 
       {user ? (
         <button
           className={clsx(
-            'btn',
+            'btn self-stretch',
             betDisabled ? 'btn-disabled' : 'btn-primary',
             isSubmitting ? 'loading' : ''
           )}
@@ -157,7 +161,7 @@ export function AnswerBetPanel(props: {
         </button>
       ) : (
         <button
-          className="btn mt-4 whitespace-nowrap border-none bg-gradient-to-r from-teal-500 to-green-500 px-10 text-lg font-medium normal-case hover:from-teal-600 hover:to-green-600"
+          className="btn self-stretch whitespace-nowrap border-none bg-gradient-to-r from-teal-500 to-green-500 px-10 text-lg font-medium normal-case hover:from-teal-600 hover:to-green-600"
           onClick={firebaseLogin}
         >
           Sign in to trade!
diff --git a/web/components/answers/create-answer-panel.tsx b/web/components/answers/create-answer-panel.tsx
index 934310e4..af12e611 100644
--- a/web/components/answers/create-answer-panel.tsx
+++ b/web/components/answers/create-answer-panel.tsx
@@ -101,27 +101,35 @@ export function CreateAnswerPanel(props: { contract: Contract }) {
                   setError={setAmountError}
                   minimumAmount={1}
                   disabled={isSubmitting}
+                  contractId={contract.id}
                 />
               </Col>
-              <Col className="gap-2 mt-1">
-                <div className="text-sm text-gray-500">Implied probability</div>
-                <Row>
-                  <div>{formatPercent(0)}</div>
-                  <div className="mx-2">→</div>
-                  <div>{formatPercent(resultProb)}</div>
+              <Col className="gap-3">
+                <Row className="justify-between items-center text-sm">
+                  <div className="text-gray-500">Probability</div>
+                  <Row>
+                    <div>{formatPercent(0)}</div>
+                    <div className="mx-2">→</div>
+                    <div>{formatPercent(resultProb)}</div>
+                  </Row>
                 </Row>
-                <Row className="mt-2 mb-1 items-center gap-2 text-sm text-gray-500">
-                  Payout if chosen
-                  <InfoTooltip
-                    text={`Current payout for ${formatWithCommas(
-                      shares
-                    )} / ${formatWithCommas(shares)} shares`}
-                  />
+
+                <Row className="justify-between items-start text-sm gap-2">
+                  <Row className="flex-nowrap whitespace-nowrap items-center gap-2 text-gray-500">
+                    <div>Payout if chosen</div>
+                    <InfoTooltip
+                      text={`Current payout for ${formatWithCommas(
+                        shares
+                      )} / ${formatWithCommas(shares)} shares`}
+                    />
+                  </Row>
+                  <Row className="flex-wrap justify-end items-end gap-2">
+                    <span className="whitespace-nowrap">
+                      {formatMoney(currentPayout)}
+                    </span>
+                    <span>(+{currentReturnPercent})</span>
+                  </Row>
                 </Row>
-                <div>
-                  {formatMoney(currentPayout)}
-                  &nbsp; <span>(+{currentReturnPercent})</span>
-                </div>
               </Col>
             </>
           )}
diff --git a/web/components/bet-panel.tsx b/web/components/bet-panel.tsx
index d8cb79ce..d60fdd8f 100644
--- a/web/components/bet-panel.tsx
+++ b/web/components/bet-panel.tsx
@@ -144,7 +144,6 @@ export function BetPanel(props: {
         text={panelTitle}
       />
 
-      {/* <div className="mt-2 mb-1 text-sm text-gray-500">Outcome</div> */}
       <YesNoSelector
         className="mb-4"
         selected={betChoice}
@@ -160,45 +159,49 @@ export function BetPanel(props: {
         setError={setError}
         disabled={isSubmitting}
         inputRef={inputRef}
+        contractId={contract.id}
       />
 
-      <Spacer h={4} />
+      <Col className="gap-3 mt-3 w-64">
+        <Row className="justify-between items-center text-sm">
+          <div className="text-gray-500">Probability</div>
+          <Row>
+            <div>{formatPercent(initialProb)}</div>
+            <div className="mx-2">→</div>
+            <div>{formatPercent(resultProb)}</div>
+          </Row>
+        </Row>
 
-      <div className="mt-2 mb-1 text-sm text-gray-500">Implied probability</div>
-      <Row>
-        <div>{formatPercent(initialProb)}</div>
-        <div className="mx-2">→</div>
-        <div>{formatPercent(resultProb)}</div>
-      </Row>
-
-      {betChoice && (
-        <>
-          <Spacer h={4} />
-          <Row className="mt-2 mb-1 items-center gap-2 text-sm text-gray-500">
-            Payout if <OutcomeLabel outcome={betChoice} />
+        <Row className="justify-between items-start text-sm gap-2">
+          <Row className="flex-nowrap whitespace-nowrap items-center gap-2 text-gray-500">
+            <div>
+              Payout if <OutcomeLabel outcome={betChoice ?? 'YES'} />
+            </div>
             <InfoTooltip
               text={`Current payout for ${formatWithCommas(
                 shares
               )} / ${formatWithCommas(
                 shares +
-                  totalShares[betChoice] -
-                  (phantomShares ? phantomShares[betChoice] : 0)
+                  totalShares[betChoice ?? 'YES'] -
+                  (phantomShares ? phantomShares[betChoice ?? 'YES'] : 0)
               )} ${betChoice} shares`}
             />
           </Row>
-          <div>
-            {formatMoney(currentPayout)}
-            &nbsp; <span>(+{currentReturnPercent})</span>
-          </div>
-        </>
-      )}
+          <Row className="flex-wrap justify-end items-end gap-2">
+            <span className="whitespace-nowrap">
+              {formatMoney(currentPayout)}
+            </span>
+            <span>(+{currentReturnPercent})</span>
+          </Row>
+        </Row>
+      </Col>
 
-      <Spacer h={6} />
+      <Spacer h={8} />
 
       {user && (
         <button
           className={clsx(
-            'btn',
+            'btn flex-1',
             betDisabled
               ? 'btn-disabled'
               : betChoice === 'YES'
@@ -213,7 +216,7 @@ export function BetPanel(props: {
       )}
       {user === null && (
         <button
-          className="btn mt-4 whitespace-nowrap border-none bg-gradient-to-r from-teal-500 to-green-500 px-10 text-lg font-medium normal-case hover:from-teal-600 hover:to-green-600"
+          className="btn flex-1 whitespace-nowrap border-none bg-gradient-to-r from-teal-500 to-green-500 px-10 text-lg font-medium normal-case hover:from-teal-600 hover:to-green-600"
           onClick={firebaseLogin}
         >
           Sign in to trade!
diff --git a/web/hooks/use-user-bets.ts b/web/hooks/use-user-bets.ts
index f4d421fb..0f1ceecb 100644
--- a/web/hooks/use-user-bets.ts
+++ b/web/hooks/use-user-bets.ts
@@ -1,6 +1,10 @@
 import _ from 'lodash'
 import { useEffect, useState } from 'react'
-import { Bet, listenForUserBets } from '../lib/firebase/bets'
+import {
+  Bet,
+  listenForUserBets,
+  listenForUserContractBets,
+} from '../lib/firebase/bets'
 
 export const useUserBets = (userId: string | undefined) => {
   const [bets, setBets] = useState<Bet[] | undefined>(undefined)
@@ -12,6 +16,20 @@ export const useUserBets = (userId: string | undefined) => {
   return bets
 }
 
+export const useUserContractBets = (
+  userId: string | undefined,
+  contractId: string | undefined
+) => {
+  const [bets, setBets] = useState<Bet[] | undefined>(undefined)
+
+  useEffect(() => {
+    if (userId && contractId)
+      return listenForUserContractBets(userId, contractId, setBets)
+  }, [userId, contractId])
+
+  return bets
+}
+
 export const useUserBetContracts = (userId: string | undefined) => {
   const [contractIds, setContractIds] = useState<string[] | undefined>()
 
diff --git a/web/lib/firebase/bets.ts b/web/lib/firebase/bets.ts
index 8c78540d..f03b293b 100644
--- a/web/lib/firebase/bets.ts
+++ b/web/lib/firebase/bets.ts
@@ -74,6 +74,21 @@ export function listenForUserBets(
   })
 }
 
+export function listenForUserContractBets(
+  userId: string,
+  contractId: string,
+  setBets: (bets: Bet[]) => void
+) {
+  const betsQuery = query(
+    collection(db, 'contracts', contractId, 'bets'),
+    where('userId', '==', userId)
+  )
+  return listenForValues<Bet>(betsQuery, (bets) => {
+    bets.sort((bet1, bet2) => bet1.createdTime - bet2.createdTime)
+    setBets(bets)
+  })
+}
+
 export function withoutAnteBets(contract: Contract, bets?: Bet[]) {
   const { createdTime } = contract
 
diff --git a/web/pages/[username]/[contractSlug].tsx b/web/pages/[username]/[contractSlug].tsx
index 27141cb3..1020816d 100644
--- a/web/pages/[username]/[contractSlug].tsx
+++ b/web/pages/[username]/[contractSlug].tsx
@@ -145,7 +145,7 @@ export default function ContractPage(props: {
 
             <Col className="flex-1">
               {allowTrade && (
-                <BetPanel className="hidden lg:inline" contract={contract} />
+                <BetPanel className="hidden lg:flex" contract={contract} />
               )}
               {allowResolve && (
                 <ResolutionPanel creator={user} contract={contract} />
diff --git a/web/pages/create.tsx b/web/pages/create.tsx
index 8a8f7e2b..76afa8d2 100644
--- a/web/pages/create.tsx
+++ b/web/pages/create.tsx
@@ -248,6 +248,7 @@ export function NewContract(props: { question: string; tag?: string }) {
           error={anteError}
           setError={setAnteError}
           disabled={isSubmitting}
+          contractId={undefined}
         />
       </div>
 
diff --git a/web/pages/make-predictions.tsx b/web/pages/make-predictions.tsx
index 3f37f535..37872c39 100644
--- a/web/pages/make-predictions.tsx
+++ b/web/pages/make-predictions.tsx
@@ -245,6 +245,7 @@ ${TEST_VALUE}
             error={anteError}
             setError={setAnteError}
             disabled={isSubmitting}
+            contractId={undefined}
           />
         </div>