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BTC$84,296-2.28%|

ETH$2,672.18-2.89%|

USDT$0.99989-0.00%|

BNB$765.7000-2.48%|

XRP$1.4800-5.51%|

USDC$0.99988-0.00%|

SOL$114.1900-3.27%|

TRX$0.34027-0.45%|

ZEC$1,512.73-0.05%|

FIGR_HELOC$1.0270-1.07%|

HYPE$92.9200-3.74%|

DOGE$0.09202-8.11%|

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WBT$84.5000-2.48%|

USDS$0.99987-0.00%|

LINK$12.2500-5.48%|

ADA$0.23728-5.94%|

RAIN$0.01226-6.35%|

LEO$8.9600-0.20%|

XLM$0.20098-6.46%|

BCH$339.4000+0.36%|

NEAR$4.3400+1.57%|

UNI$9.1400-2.80%|

USDE$0.99973-0.01%|

LTC$60.8700-2.76%|

DAI$0.99987-0.01%|

AVAX$10.2900-6.59%|

USD1$0.99953+0.01%|

CC$0.10874-3.95%|

GRAM$1.4100-2.66%|

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ExchangeTier-1KYC required

Binance Loans

Largest exchange-integrated lending with 400+ collateral options.

5.0

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Overview

Binance Loans is the lending service offered by Binance, the world's largest crypto exchange by volume. It supports over 150 assets as collateral and offers both flexible and fixed-term loans. The platform features VIP rate tiers that reward high-volume users with better rates.

Flexible & Fixed Terms

Binance Loans offers both flexible loans (repay anytime) and fixed-term loans (7, 14, 30, 90, 180 days). Fixed-term loans often have better rates, while flexible loans offer maximum flexibility.

VIP Rate Tiers

Binance uses a VIP tier system where users with higher trading volumes and BNB holdings get better loan rates. This rewards loyal Binance users with preferential lending terms.

Pros & Cons

Pros

150+ supported collateral assets
Both flexible and fixed-term loan options
VIP rate tiers for high-volume users
Deep integration with Binance trading ecosystem
Instant approval for verified users
Largest exchange by volume — deep liquidity

Cons

Custodial — exchange holds your collateral
KYC required for all users
Exchange risk — Binance has had regulatory issues in some jurisdictions
Best rates require high VIP tier (large BNB holdings)
Not available in all countries (e.g., US)

Key Features

400+ collateral options

Real-time LTV monitoring

Seamless integration

$1B SAFU fund

Monthly Proof of Reserves

Frequently Asked Questions

What assets can I use as collateral on Binance Loans?

Binance supports 150+ assets as collateral, including major cryptocurrencies, stablecoins, and many altcoins. This is one of the widest selections among exchange-based lending services.

What are VIP rate tiers on Binance Loans?

Binance uses a VIP tier system where users with higher trading volumes and BNB holdings get better loan rates. Higher tiers enjoy lower interest rates and better terms.

Is Binance Loans available in the US?

Binance.com is not available in the US. US users need to use Binance.US, which has a more limited selection of services. Check Binance.US for lending availability.