> For the complete documentation index, see [llms.txt](https://docs.vm.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.vm.com/guide/loan.md).

# Loan

**What is a Domain NFT Collateralized Loan?**

On the VM platform, you can use the NFTs you own as collateral, set your desired loan amount, annual interest rate, and repayment method, and borrow funds from lenders. The platform adopts a completely peer-to-peer (C2C) lending approach, executed through decentralized smart contracts to ensure transparency and security throughout the lending process.

All operations on the VM platform, including collateralized loans, lending funds, and repayments, are conducted via on-chain interactions (i.e., sending a transaction using a Web3 wallet). Please ensure you use and bind a Web3 wallet. Email-registered users who have not yet bound their wallets can easily complete the process in the settings page.

{% content-ref url="/pages/WbUxbicDiLh8806H8rsS" %}
[Borrower Guide](/guide/loan/borrower-guide.md)
{% endcontent-ref %}

{% content-ref url="/pages/enloaBJ6IBlDJMjp2jrL" %}
[Lender Guide](/guide/loan/lender-guide.md)
{% endcontent-ref %}

{% content-ref url="/pages/HzWjZNbTCC8hzcLDTYWW" %}
[Overdue Handling](/guide/loan/overdue-handling.md)
{% endcontent-ref %}

{% content-ref url="/pages/BD4kbQp2nSB05c10DxND" %}
[Platform Rules](/guide/loan/platform-rules.md)
{% endcontent-ref %}

If you can't find what you need, please visit the [Telegram group](https://t.me/VmDomainsEN) and seek help there!


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