VIP Loan

Fixed terms. Predictable costs. Reliable loans and liquidity to power your boldest institutional goals.

What is VIP Loan

Loans for institutional needs

VIP Loan offers fixed rates and terms tailored for your large capital needs. With predictable borrowing costs, you can precisely and confidently manage your finances.

Why VIP Loan

Advantages that deliver

Lower collateral requirements

Up to 2.5x leverage to maximize capital efficiency

Predictable cost

Fixed rate throughout the 90-day term for stable liquidity

Direct credit

Funds directly transferred to your account

Isolated risk controls

Isolated risk units protect each account by containing risk individually

How it works

Apply for access

Gain exclusive access and kickstart the credit review process.

Set up risk units

Choose accounts to form your risk unit to help you manage risk.

Apply for loans

Submit a loan request and match with available lenders.

More on VIP Loan

OKX VIP Loan is a service for clients at VIP 5 and above who have large capital needs, offering fixed interest rates and terms. Borrowers pay a fixed interest rate throughout the loan, ensuring predictable costs and stable financial management.

The maximum amount you can borrow is based on 3 factors: the amount needed to maintain your initial margin ratio (IMR) after borrowing, the borrowing cap applicable to eligible users, and the overall platform limit. The final borrowable amount will be the lowest of these amounts.

The interest on your VIP Loan is fixed for the entire term and is calculated using the following formula:

Loan amount × Interest rate × Term / 365

If you do not repay on time, an overdue fee will be applied hourly during the grace period, which lasts for 14 days. For loans that remain outstanding beyond this period, we may be required to liquidate your collateral and other assets to repay the loan, which may result in losses for you.

Yes, you can withdraw the borrowed amount, but only up to the limit that keeps the margin ratio (MR) no lower than 40%

Interest is charged along with the principal when you repay. Until then, no interest will be deducted from your account.

The risk for VIP loans is monitored by using the margin ratio (MR), delta limit, and other risk parameters of the risk unit, which operate independently from the unified trading account. For detailed information, refer to the

section of the product document.

Your institutional goals, within reach

Get started with our VIP Loan and unlock smarter financial solutions.

This content is provided for informational purposes only. It is not intended to provide (i) investment advice or an investment recommendation, (ii) an offer or solicitation to buy, sell or hold digital assets, or (iii) financial, accounting, legal or tax advice. Digital assets, including stablecoins and NFTs, are subject to market volatility, involve a high degree of risk, can lose value, and can even become worthless. You should carefully consider whether trading or holding digital assets is suitable for you in light of your financial condition and risk tolerance. Please consult your legal/tax/investment professional for questions about your specific circumstances. Not all products are offered in all regions For more details, please refer to the OKX Terms of Use and Risk & Compliance Disclosure. Returns are not guaranteed and may be subject to change without prior notice. Product Terms and Conditions apply.