What are the most popular borrowing tools on Ethereum?

By popularity in the CoinSeek catalog: Aave, Spark and Fluid.

Are there free borrowing tools on Ethereum?

None of these borrowing tools is listed as free or freemium in the CoinSeek catalog. Check each tool’s site for its current plans.

Where can I find borrowing tools on other chains?

CoinSeek also lists borrowing tools on Base, and on every chain on the Borrowing page.

12 best Borrowing tools on Ethereum in 2026

Discover/manage DeFi borrowing

This page lists the 12 published tools in the CoinSeek catalog for borrowing that support Ethereum, most popular first.

All tools on Ethereum · Borrowing on every chain

How to choose

Match your collateral's blockchain. A lending tool only accepts assets on the networks it supports, so check that your collateral and the loan you want live on the same chain. Some tools focus on one network, such as Solana, Ethereum or Bitcoin, while others span several.
Check borrowing features. Tools differ in how they set interest rates, which assets they take as collateral, and how they handle liquidation. Read how each one works before you deposit, especially if you want control over your rate or need a specific collateral type.
Pick the right tool type. Some tools are lending markets you use directly, while others are infrastructure for building markets or exchanges with lending as an extra. A direct lending protocol is usually simpler for a first loan.
Consider how you will access it. Many tools are used through a web app, and some also offer mobile apps, APIs or SDKs. Choose a platform that fits whether you borrow by hand or connect lending to your own software.
Think about who it is for. Some tools are aimed at everyday users, others at developers or institutions. Pick one whose design and documentation suit your experience level.

Borrowing on Ethereum

Most popular first

aave.com
Aave
Earn on your savings, borrow against your assets, and build onchain finance with Aave. Six years of uninterrupted operation, independently audited.
Category and goals: DeFi & Yield · Lending · Borrowing · Staking +1 more — Chains: Ethereum · Base · Aptos · Multichain
Best for: Earning interest on crypto; Borrowing against crypto collateral; Building lending into apps; Voting on protocol proposals
spark.finance
Spark
Spark intelligently allocates institutional capital across financial products and markets.
Category and goals: DeFi & Yield · DeFi Analytics · Lending · Borrowing +1 more — Chains: Ethereum · Base · Arbitrum
Best for: Earning yield on stablecoins; Borrowing against crypto collateral; Fintechs integrating savings products; Developers using lending APIs
fluid.io
Fluid
Making lending and borrowing on DeFi easier, safer, and more efficient.
Category and goals: DeFi & Yield · Lending · Borrowing — Chains: Ethereum · Base · Arbitrum · Polygon
Best for: Borrowing against liquidity positions; DeFi lending and borrowing; Liquidity providers seeking collateral use
app.avalonfinance.xyz
Avalon Superearn
Institutional Bitcoin-backed lending, borrowing, earning, and liquidity. Fully on-chain and regulatory-compliant.
Category and goals: DeFi & Yield · Yield Farming · Lending · Borrowing +1 more — Chains: Ethereum · BNB Chain
Best for: Earning yield on stablecoins; Investors comfortable with lock-up periods; Tracking live vault yield rates
liquity.org
Liquity V2
Liquity V2, the DeFi protocol that lets you set your own borrowing rates. Borrow against ETH and LSTs with maximum control!
Category and goals: DeFi & Yield · Lending · Borrowing · Staking — Chains: Ethereum
Best for: Borrowing against ETH collateral; Minting a stablecoin on Ethereum; Setting your own borrowing rate; Researching immutable DeFi protocols
originprotocol.com
Origin Protocol
Minimum risk, better yield than LSTs
Category and goals: DeFi & Yield · Yield Farming · Lending · Borrowing — Chains: Ethereum
chainflip.io
Chainflip.io
Native cross-chain swaps between Bitcoin, Solana, Ethereum and more. No wrapped tokens, transparent pricing, over $9.8B traded. Earn native BTC yield.
Category and goals: Token & DEX · Token Trading Tools · DEX Trading & Swaps · Lending +1 more — Chains: Bitcoin · Ethereum · Solana · BNB Chain
silo.finance
Silo v3
Silo v3 redefines lending with risk isolation, built-in lender protection through dual liquidation mechanisms, and higher yields through lender-earned liquidation fees.
Category and goals: DeFi & Yield · Lending · Borrowing — Chains: Ethereum · Arbitrum · Avalanche
mezo.org
Mezo
Explore Bitcoin DeFi: borrow, lend, and spend without giving up your BTC. Mezo makes your Bitcoin more powerful without compromising its principles.
Category and goals: DeFi & Yield · Portfolio Tracking · Yield Farming · Borrowing — Chains: Bitcoin · Ethereum
radiant.capital
Radiant
Radiant Capital
Category and goals: DeFi & Yield · Lending · Borrowing — Chains: Ethereum · Arbitrum · Multichain
stakedao.org
Stake DAO
Stake DAO is a DeFi protocol that boosts LP yield by accumulating deep governance power through Liquid Lockers across Curve, f(x) Protocol, and YieldBasis.
Category and goals: DeFi & Yield · DeFi Analytics · Yield Farming · Borrowing +2 more — Chains: Ethereum · Base · Arbitrum · Optimism
lista.org
ListaDAO
Lista DAO is a user-friendly, open-source, and permissionless Collateralized-debt Position (CDP) stablecoin protocol, powered by Liquid Staking Decentralized Finance (LSDfi). Lista offers users the flexibility to participate in staking and BNB liquid staking through our Synclub validator node. Additionally, users may easily collateralize crypto assets like BNB, ETH, slisBNB, and wBETH to borrow lisUSD, our native decentralized stablecoin. Lista DAO operates seamlessly on both Ethereum mainnet and Binance Smart Chain with robust security mechanisms to enjoy a secure, yet simple DeFi experience. With lisUSD, borrowing is hassle-free, featuring low fees and a range of enticing trading utilities and incentives, including liquidity provision, yield farming, and perp DEX trading. Explore a multitude of staking options on Lista, spanning blockchains such as Tron, Cosmos, BNB Chain, and Polkadot. Lista DAO offers the intersection of sophistication, simplicity and security with our permissionle
Category and goals: DeFi & Yield · Yield Farming · Borrowing · Liquid Staking — Chains: Ethereum · BNB Chain

Borrowing on other chains

Base6 tools

Frequently asked questions

What are the most popular borrowing tools on Ethereum?: By popularity in the CoinSeek catalog: Aave, Spark and Fluid.
Are there free borrowing tools on Ethereum?: None of these borrowing tools is listed as free or freemium in the CoinSeek catalog. Check each tool’s site for its current plans.
Where can I find borrowing tools on other chains?: CoinSeek also lists borrowing tools on Base, and on every chain on the Borrowing page.