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% | $106.5M | Borrow | |
| 2 |  tBTC | Ethereum | 0.27% | $122.0M | Borrow | |
| 3 | cbBTC | Ethereum | 0.29% | $1.0B | Borrow | |
| 4 |  EURC / WBTC | Ethereum | 0.43% | $1.6M | Borrow | |
| 5 | WBTC / LBTC | Ethereum | 0.92% | $12.8K | Borrow | |
| 6 |  Base | 1.76% | $247.7K | Borrow | ||
| 7 | Ethereum | 1.99% | $9.5M | Borrow | ||
| 8 | Ethereum | 2.08% | $121.9M | Borrow |
1
Ethereum
Lowest RatecbBTC
Spark
EthereumBorrow APY
0.03%
Available Liquidity
$106.5M
2
Ethereum
tBTC
Aave V3
EthereumBorrow APY
0.27%
Available Liquidity
$122.0M
3Ethereum
cbBTC
Aave V3
EthereumBorrow APY
0.29%
Available Liquidity
$1.0B
4
Ethereum
EURC
/ WBTC
Morpho Blue
EthereumBorrow APY
0.43%
Available Liquidity
$1.6M
5Ethereum
WBTC
/ LBTC
Morpho Blue
EthereumBorrow APY
0.92%
Available Liquidity
$12.8K
6
Base
WETH
Compound V3
BaseBorrow APY
1.76%
Available Liquidity
$247.7K
7Ethereum
WETH
Compound V3
EthereumBorrow APY
1.99%
Available Liquidity
$9.5M
8Ethereum
WETH
Spark
EthereumBorrow APY
2.08%
Available Liquidity
$121.9M
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.