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VIP
Loan
Institutional Level Loan Service
For VIP users only
If you are not currently a VIP user and are interested in VIP Loan, please contact our VIP Team.
Higher Capital Utilization
Large Borrow Limit
Flexibility of Collaterals & Loan Usage
VIP Loan Advantages
Institutional level capital efficiency
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Up to 20 million USD borrowing limit or no hard cap with good credit history.
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Enhanced Loan-to-Value Ratio (LTV), where Initial/ Margin Call/ Liquidation LTV are improved to 72% / 77% / 91%, respectively.
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Aggregate assets across multiple accounts as collateral to improve capital efficiency.
Increased flexibility with bespoke loan agreement
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Supports 600+ loanable and collateral assets.
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Flexible loan terms without penalty for early repayment.
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Delayed liquidation available when liquidation LTV triggered.
Full-funding ownership and allocation rights
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Serves any purpose, including trading on spot, margin, or futures markets, staking, or even withdrawal.
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Collateral can be freely traded on spot if LTV is met.
Reduced total costs
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Competitive interest rate, as low as 1.1% p.a.
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No transaction fees.
Get started in a few steps
Contact
01
01. 
Contact the VIP Team via Email to vip_loan@binance.com please include “VIP Loan Inquiry” in the subject line for our reference
Discuss
02
02. 
Discuss Loan Terms, Privileges, Benefits and Sign the Agreement to Start
Receive Loan
03
03. 
Deposit corresponding collateral and receive the loan in the Spot Wallet
VIP Interest Rate
The rates quoted are subject to change, get in touch with your VIP manager to find out more.
VIP Level
Regular User
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7 Days
30 Days
90 Days
VIP Level
Regular User
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CoinInterest Rate7 Days30 Days90 Days
No Data
VIP Loan Collateral Ratio
Collateral CoinTier (USD)Collateral Ratio
No Data
FAQs
What is the difference between VIP loan and Crypto loan?
VIP loan offers the widest range of borrowing options with multiple collateral from numerous collateral accounts at once, with a greater borrowing size and more flexible terms.
How does settlement work?
Loans are settled directly to your designated Binance account’s Spot Wallet. Settlement will usually occur immediately after the loan is approved.
Are there any fees?
There are no transaction fees charged on VIP Loan. However, you will be responsible for the loan interests generated.
How is interest calculated, and what are the conditions?
The interest is calculated on a daily basis. A triple daily interest will be charged during the overdue period prior to liquidation.
What are the Loan-to-Value ratios for VIP Loan?
a.Loan-To-Value ratio helps determine the amount of loan you will receive based on existing collateralized assets.
b.VIP Loan offer greater Loan-To-Value ratio. In general, VIP Loan offers greater initial LTV at 72%, margin call LTV at 77% and liquidation call at 91%. Please reach out to our VIP team to learn more about this.
c.You can manage your LTV by transferring assets to/from your spot wallet
More information and FAQ about VIP Loan