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 | 0.03% | $120.0M | Borrow | |
| 2 |  tBTC | Ethereum | 0.27% | $130.6M | Borrow | |
| 3 | cbBTC | Ethereum | 0.28% | $1.3B | Borrow | |
| 4 | WBTC / LBTC | Ethereum | 0.81% | $119.5K | Borrow | |
| 5 |  Base | 1.45% | $592.7K | Borrow | ||
| 6 |  EURCV / steakUSDC | Ethereum | 1.52% | $11.6K | Borrow | |
| 7 | Ethereum | 1.78% | $30.5M | Borrow | ||
| 8 | Ethereum | 2.02% | $131.8M | Borrow |
1
Ethereum
Lowest RatecbBTC
Spark
EthereumBorrow APY
0.03%
Available Liquidity
$120.0M
2
Ethereum
tBTC
Aave V3
EthereumBorrow APY
0.27%
Available Liquidity
$130.6M
3Ethereum
cbBTC
Aave V3
EthereumBorrow APY
0.28%
Available Liquidity
$1.3B
4
Ethereum
WBTC
/ LBTC
Morpho Blue
EthereumBorrow APY
0.81%
Available Liquidity
$119.5K
5
Base
WETH
Compound V3
BaseBorrow APY
1.45%
Available Liquidity
$592.7K
6Ethereum
EURCV
/ steakUSDC
Morpho Blue
EthereumBorrow APY
1.52%
Available Liquidity
$11.6K
7Ethereum
WETH
Compound V3
EthereumBorrow APY
1.78%
Available Liquidity
$30.5M
8Ethereum
WETH
Spark
EthereumBorrow APY
2.02%
Available Liquidity
$131.8M
Rates updated every 5 minutes from on-chain RPC data
Find the lowest DeFi borrow rates across 8 markets. Cheapest rate: 0.03% 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.