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 |  WBTC / LBTC |  Ethereum | 0.10% | $724.9K | Borrow | |
| 2 | cbBTC | Ethereum | 0.13% | $56.9M | Borrow | |
| 3 | cbBTC / mHyperBTC | Ethereum | 0.18% | $322.8K | Borrow | |
| 4 |  tBTC | Ethereum | 0.28% | $144.7M | Borrow | |
| 5 | cbBTC | Ethereum | 0.30% | $1.2B | Borrow | |
| 6 |  Base | 1.40% | $1.3M | Borrow | ||
| 7 | Ethereum | 1.67% | $42.0M | Borrow | ||
| 8 | Ethereum | 1.80% | $283.2M | Borrow |
1
Ethereum
Lowest RateWBTC
/ LBTC
Morpho Blue
EthereumBorrow APY
0.10%
Available Liquidity
$724.9K
2
Ethereum
cbBTC
Spark
EthereumBorrow APY
0.13%
Available Liquidity
$56.9M
3Ethereum
cbBTC
/ mHyperBTC
Morpho Blue
EthereumBorrow APY
0.18%
Available Liquidity
$322.8K
4
Ethereum
tBTC
Aave V3
EthereumBorrow APY
0.28%
Available Liquidity
$144.7M
5Ethereum
cbBTC
Aave V3
EthereumBorrow APY
0.30%
Available Liquidity
$1.2B
6
Base
WETH
Compound V3
BaseBorrow APY
1.40%
Available Liquidity
$1.3M
7Ethereum
WETH
Compound V3
EthereumBorrow APY
1.67%
Available Liquidity
$42.0M
8Ethereum
WETH
Spark
EthereumBorrow APY
1.80%
Available Liquidity
$283.2M
Rates updated every 5 minutes from on-chain RPC data
Find the lowest DeFi borrow rates across 8 markets. Cheapest rate: 0.10% for WBTC/LBTC on Morpho Blue. 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.