The study of factors influencing business households’ decision for borrowing creditat VietJoint Stock Commercial Bank for Industry and Trade, Tra Vinh Branch, Viet Nam (Vietin Bank Tra Vinh) was conducted by collecting data from 300 business households traded at Vietin Bank Tra Vinh. By the use of the Binary Logistic regression method, the research found out that the factors influencing to borrow credit of household business’s decision including: bank brand names, loan interest rates, service attitude, and loan procedures. Of those, the bank brand names and lending interest rates have the strongest impacts on borrow credit decision of business households in Vietin Bank, TraVinh branch.