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 | 0.08% | $3.0M | Borrow | |
| 2 | cbBTC | Ethereum | 0.12% | $79.4M | Borrow | |
| 3 |  tBTC | Ethereum | 0.28% | $151.0M | Borrow | |
| 4 | cbBTC | Ethereum | 0.30% | $1.3B | Borrow | |
| 5 |  EURC / cbBTC | Ethereum | 0.49% | $613.0K | Borrow | |
| 6 | Ethereum | 1.72% | $41.1M | Borrow | ||
| 7 | Ethereum | 2.15% | $219.3M | Borrow | ||
| 8 |  Base | 2.51% | $155.1K | Borrow |
1
Ethereum
Lowest RateWBTC
/ LBTC
Morpho Blue
EthereumBorrow APY
0.08%
Available Liquidity
$3.0M
2
Ethereum
cbBTC
Spark
EthereumBorrow APY
0.12%
Available Liquidity
$79.4M
3
Ethereum
tBTC
Aave V3
EthereumBorrow APY
0.28%
Available Liquidity
$151.0M
4Ethereum
cbBTC
Aave V3
EthereumBorrow APY
0.30%
Available Liquidity
$1.3B
5Ethereum
EURC
/ cbBTC
Morpho Blue
EthereumBorrow APY
0.49%
Available Liquidity
$613.0K
6
Ethereum
WETH
Compound V3
EthereumBorrow APY
1.72%
Available Liquidity
$41.1M
7Ethereum
WETH
Spark
EthereumBorrow APY
2.15%
Available Liquidity
$219.3M
8Base
WETH
Compound V3
BaseBorrow APY
2.51%
Available Liquidity
$155.1K
Rates updated every 5 minutes from on-chain RPC data
Find the lowest DeFi borrow rates across 8 markets. Cheapest rate: 0.08% 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.