What Is Binance VIP Loan
Frequently Asked Questions
What Is Binance VIP Loan
What is Binance VIP Loan?
Binance VIP Loan is a large personal or institutional over-collateralized loan service with competitive rates, terms, and services. Its privileges include, but are not limited to, customized margin call processes and better utilization of collaterals in the account.
You can use Binance VIP Loan to unlock greater potential in objectives, such as greater liquidity for long-term investment funds, leveraged trading, and hedging strategies.
What are the advantages of the Binance VIP Loan Program?
- Institutional-level capital efficiency
- No hard cap with good credit history;
- Enhanced Loan-to-Value Ratio (LTV), where Initial/Margin Call/Liquidation LTV are improved to 72%/77%/91%, respectively.
- Full freedom to use loan proceeds and collateral assets
- Loan proceeds can be used for any purpose, including trading on Spot, Margin, or Futures markets, Earn subscriptions, and withdrawals;
- Collateral assets can also be traded on Spot, Margin, and Futures markets.
- Increased flexibility with bespoke loan service
- We support 600+ coins as loanable assets and collateral;
- Flexible loan terms without penalty for early repayment;
- Possible delayed liquidation when the liquidation LTV is triggered.
- Reduced total cost
- Competitive interest rates;
- No transaction fees.
How to get started?
All Binance VIP users can use Binance VIP Loan via the online application page.
1. Log in to your Binance account. Enter the VIP Loan page and click [Apply Now].

2. Select the currency you wish to borrow under [I want to borrow] and enter the loan amount. Please note that the maximum number of coins that can be borrowed in a single transaction is 10.
3. Select your [Collateral account] and [Collateral coin].
- You can use the master account or a sub-account that belongs to the same master account as the collateral account.
- Please note that you can add up to 50 accounts as collateral accounts.
- The receiving account (your master account or sub-account, except virtual accounts) cannot be the same as your designated collateral account(s).
4. Choose a loan term. Currently, Binance VIP Loan Online Application only supports a 30-day loan term. If you would like to apply for loan terms that are not listed in the online application, please contact the Binance VIP Key Account Coverage team via email (vip_loan@binance.com) or Telegram (@vip_loan_binance).
5. Enter your VIP manager (if any) and your contact information.
6. Describe the purpose of applying for a loan under [Apply reason].
7. Click [Check Loan Term] to submit your VIP Loan request.

8. Review your loan application details and click [Accept]. Please wait patiently for your request to be processed. To keep track of your submitted requests, go to [My Requests] on the VIP Loan page.
If you wish to negotiate loan parameters with a VIP Manager, click [Unsatisfied].

If you are not a Binance VIP user yet, please contact the Binance VIP Key Account Coverage team via email (vip_loan@binance.com) or Telegram (@vip_loan_binance).
Disclaimer:
This document may have been translated and published in different languages. In the event of any inconsistency, misstatements, omissions, or errors appearing in any translated version, the English version shall prevail.
1. What is the difference between Binance VIP Loans and Binance Crypto Loans?
Binance VIP Loans offer the widest range of borrowing options with multiple collaterals, greater borrowing sizes, and more flexible terms.
You also have the flexibility to trade your collateral assets on the Spot, Margin, or Futures markets. However, please note that only qualified assets (tokens that can be collateralized) in the Spot Wallets of your collateral accounts can be considered as collateral. Please ensure that your LTV is below the initial LTV, i.e., you have sufficient balances of the collateral assets in your collateral accounts’ Spot Wallets. Please contact our VIP manager for an updated list of the accepted collateral tokens.
2. What are the requirements for using VIP Loans?
All functions and privileges are available to Binance VIP users. If you are not a Binance VIP user and are interested in using VIP Loans, please contact our VIP manager with details of your request and your Binance UID.
3. How does the settlement work?
Settlement will usually occur immediately after the loan is approved. Loans are settled directly to your designated Binance account’s Spot Wallet.
4. Are there any fees?
There are no transaction fees for VIP Loans. However, you will be responsible for the loan interest generated and a 2% liquidation fee in case of a liquidation.
5. How is interest calculated?
Interest is calculated daily between 00:00 and 01:00 (UTC). If your loan is overdue, a triple daily interest will be charged. You will be liquidated if you fail to repay the loan after the overdue period.
6. What are the LTV(Loan-To-Value) ratios for VIP Loans?
The Loan-To-Value ratio helps determine the amount of loans you will receive based on your existing collateralized assets. You may manage your LTV by transferring assets to/from your Spot Wallet.
VIP Loans offer a greater Loan-To-Value ratio. VIP Loans generally have greater initial, margin call, and liquidation LTVs at 72%/77%/91%, respectively. Please contact our VIP team to learn more.
7. How to repay VIP Loans?
You may repay your outstanding interests and principal (partially or in full) using funds from your Fiat and Spot Wallet balance in the same token you borrowed.
To repay, go to [Crypto Loans] - [Loan Orders]. Click [Repay] next to the loan order to input your repayment request.
8. Where can I find the relevant API to read my LTV levels or repay my loans?
You may refer to the Binance API documentation to find the relevant APIs to perform these functions, or more specifically:
- Get VIP Loan Ongoing Orders (USER_DATA)
- VIP Loan Repay (TRADE)
- Get VIP Loan Repayment History (USER_DATA)
- Check Locked Value of VIP Collateral Account (USER_DATA)
9. What happens during a margin call or liquidation?
A margin call is issued when a loan position reaches its margin call LTV. This margin call LTV represents a warning that the loan position is getting close to the liquidation LTV. You can pledge more qualified assets to increase the collateral value or repay the outstanding loan partially to lower the LTV.
A liquidation happens when a loan’s LTV reaches or exceeds the liquidation LTV. By default, Binance will liquidate any outstanding loan using the available collateral assets. However, users registered in the Delayed Liquidation service will be granted an additional liquidation call grace period that lasts for 24 hours. During this time, you may make any necessary adjustments, such as adding collateral or repaying your loan partially to lower your LTV to the Initial LTV level. If the loan LTV exceeds 95%, we will proceed with liquidation immediately. Please contact your VIP manager to learn more about the Delayed Liquidation service.
You’ll be notified via in-mail, email, and SMS in the event of a margin call or liquidation. The notifications serve as a risk warning and cannot guarantee timely delivery.
By using the service, you agree that under certain circumstances, you may be unable to receive or get delayed SMS or email reminders. These circumstances include but are not limited to personal network congestion, poor network environment, local restrictions, service provider's policies, and device malfunctions.
Please note that if the margin and liquidation calls are too close, the system will automatically cancel the margin call notification and you’ll only receive the liquidation notification. Binance reserves the right with no obligation to deliver notifications.
10. Can I transfer any assets from my collateral accounts?
Only qualified assets in the Spot Wallets of your collateral accounts can be used as collateral. Subject to the following conditions, you may perform certain transfers and transactions:
- If your LTV is below the margin call and liquidation LTVs, you may transfer collateral and non-collateral assets between the Spot Wallets of your collateral accounts or perform trades using these assets in the Spot market.
- If your LTV is below the initial LTV, you can transfer collateral assets into other Wallets (such as Funding or Margin Wallets) or withdraw them as long as the LTV remains below the initial LTV.
You are also able to remove any collateral account from the loan order group it belongs, subject to the following conditions:
- The LTV for that loan order group is currently below the initial LTV level.
- The cancellation instruction does not result in the LTV of the loan order group rising above the initial LTV level.