Introduction to Binance Loans

Binance Flexible Rate Loan is an isolated, overcollateralized, open-term loan product, for users to borrow for Spot/Margin/Futures Trading or staking to earn high APR. You can borrow and repay Binance Flexible Rate Loan at any time, starting from the equivalent of $1, with no transaction fees.

You can create separate loan positions with specific collateral-loan pairs,such as, [USDC collateral + ETH loan] in one position, and [USDC collateral + BTC loan] in another. Each collateral-loan pair position has distinct Loan-to-Value (LTV) ratios as well as margin call and liquidation LTV levels, indicating the health of each loan position. It is important to monitor these LTV levels to maintain the stability of your loan positions.

Additionally, the collateral pledged can earn Real-Time APR rewards from Simple Earn Flexible Products, maximizing the potential of your assets while securing your loan positions.

Please note that each loan position must be overcollateralized, meaning the value of collateral pledged by you must exceed the value of the digital assets borrowed.

To learn how to pledge your assets and start borrowing on Binance Flexible Loan, please see FAQ: What is Binance Flexible Loan and Frequently Asked Questions

Binance VIP Loan is a premium loan service designed for a large personal or institutional, offering large, over-collateralized loans with competitive rates, flexible terms, and exceptional services. It provides a wide range of borrowing options with multiple collateral choices, higher borrowing limits, and adaptable terms.

One of the key advantages of Binance VIP Loan is that the collateral remains in your Spot Account, allowing you to trade it as long as the Loan-to-Value (LTV) ratios stay below the margin call levels. This feature provides you with greater flexibility and control over your assets.

Binance VIP Loan can help you unlock greater potential for various objectives, such as enhancing liquidity for long-term investments, leveraging trading opportunities, and implementing hedging strategies. The service offers customized margin call processes and better utilization of collateral within your account.

Additionally, Binance VIP Loan includes a possible delayed liquidation service, giving you more time to manage your positions and avoid immediate liquidation.

With Binance VIP Loan, you can maximize your borrowing capacity while maintaining the ability to trade your collateral and benefit from tailored loan management services.

To learn how to use VIP Loans or apply for one, please see FAQ: What Is Binance VIP Loan and Frequently Asked Questions

Binance Fixed Rate Loans is a service offering fixed-interest rates and fixed-term loans, including lending and borrowing. This service allows users to customize their interest rates and loan durations, providing users with predictable costs and income.

Each loan order is over-collateralized, meaning the value of the collateral pledged by the borrowing user, the “Borrower,” is higher than the value of the digital assets provided by the lending user, the “Supplier.” This ensures security for both parties involved.

As a borrower, you can choose from a variety of tokens to use as collateral and customize the loan’s interest rate, duration, and amount according to your needs. The fixed APR and fixed rate provide you with a predictable cost, making it easier to manage your finances.

If you prefer to lend digital assets instead of borrowing, you can earn a fixed deposit rate by lending your stablecoin assets on Binance. You can set your desired rate of return, lend duration, and the amount of digital assets to be lended. The fixed rate ensures a predictable income, and your lent assets are principal-protected by Binance (in token amount).

To learn more about Fixed Rate Loans, please see FAQ: What is Binance Fixed Rate Loans?