Cheapest DeFi Borrow Rates
Lowest borrow APY across DeFi protocols, ranked cheapest first. Updated every 5 minutes.
Sort:
| # | Asset↕ | Protocol↕ | Chain↕ | Borrow APY↑ | Available Liquidity↕ | |
|---|---|---|---|---|---|---|
| 1 |  cbBTC |  Ethereum | 0.02% | $232.5M | Borrow | |
| 2 |  tBTC | Ethereum | 0.26% | $136.6M | Borrow | |
| 3 | cbBTC | Ethereum | 0.28% | $1.7B | Borrow | |
| 4 | WBTC / LBTC | Ethereum | 0.34% | $199.1K | Borrow | |
| 5 |  EURCV / steakUSDC | Ethereum | 1.03% | $33.0K | Borrow | |
| 6 |  Base | 1.61% | $410.2K | Borrow | ||
| 7 | Ethereum | 1.83% | $31.1M | Borrow | ||
| 8 | Ethereum | 2.10% | $134.3M | Borrow |
1
Ethereum
Lowest RatecbBTC
Spark
EthereumBorrow APY
0.02%
Available Liquidity
$232.5M
2
Ethereum
tBTC
Aave V3
EthereumBorrow APY
0.26%
Available Liquidity
$136.6M
3Ethereum
cbBTC
Aave V3
EthereumBorrow APY
0.28%
Available Liquidity
$1.7B
4
Ethereum
WBTC
/ LBTC
Morpho Blue
EthereumBorrow APY
0.34%
Available Liquidity
$199.1K
5Ethereum
EURCV
/ steakUSDC
Morpho Blue
EthereumBorrow APY
1.03%
Available Liquidity
$33.0K
6
Base
WETH
Compound V3
BaseBorrow APY
1.61%
Available Liquidity
$410.2K
7Ethereum
WETH
Compound V3
EthereumBorrow APY
1.83%
Available Liquidity
$31.1M
8Ethereum
WETH
Spark
EthereumBorrow APY
2.10%
Available Liquidity
$134.3M
Rates updated every 5 minutes from on-chain RPC data
Find the lowest DeFi borrow rates across 8 markets. Cheapest rate: 0.02% for cbBTC on Spark. Borrow APY reflects the cost of taking a loan against deposited collateral on lending protocols like Aave V3, Spark, Compound V3, and Morpho Blue. DeFi Terminal polls borrow rates every 5 minutes directly from on-chain smart contracts across Ethereum, Arbitrum, and Base. Rankings include markets with at least $100K in total supply and exclude frozen or inactive positions.