Best of · Arbitrum · Updated Nov 5, 2026

The best Lending dApps on Arbitrum in 2026

We track 65 Lending dApps that run on Arbitrum and have reviewed 54 of them in full. Our top pick is Aave V3. Each one is scored on security, ease of use, fees and features.

1
Aave V3
Lending · Ethereum, Base, Arbitrum +18
Aave V3 is a non-custodial lending protocol where users earn interest on deposits or borrow against collateral, live on 21 chains with about $16B in TVL. It is a long-running, widely used venue, but borrowing carries liquidation and smart-contract risk.
Read the Aave V3 review Visit Aave V3(opens in a new tab)
ScoreScore 8.6 out of 10
TVL $15.1B+1.9%
2
Morpho Blue
Lending · Ethereum, Base, Robinhood Chain +41
Morpho Blue is a permissionless lending primitive with about $11.4 billion in TVL on DefiLlama, accessed mainly through curated vaults. It suits users who can assess curator and smart-contract risk themselves.
Read the Morpho Blue review Visit Morpho Blue(opens in a new tab)
ScoreScore 8.0 out of 10
TVL $10.9B+4.0%
3
Compound V3
Lending · Ethereum, Arbitrum, Base +7
Compound V3 is an on-chain lending protocol where users supply a base asset to earn yield or post collateral to borrow it. It has about $1.34B in TVL across ten chains, but borrowers face liquidation risk.
Read the Compound V3 review Visit Compound V3(opens in a new tab)
ScoreScore 8.0 out of 10
TVL $1.25B−3.3%
4
Euler V2
Lending · Monad, Ethereum, Base +13
Euler V2 is a modular lending protocol where anyone can launch a lending market, listed on DefiLlama with about $268 million in TVL across 16 chains. Its strengths are its security work and flexibility. Risk varies by market.
Read the Euler V2 review Visit Euler V2(opens in a new tab)
ScoreScore 8.0 out of 10
TVL $264M−1.8%
5
Dolomite
Lending · Ethereum, Arbitrum, Berachain +4
Dolomite is a DeFi money market that lets users lend, borrow and run leveraged strategies across a very wide range of assets. It holds about $185 million in TVL and lists six audits, but leveraged features carry real liquidation risk.
Read the Dolomite review Visit Dolomite(opens in a new tab)
ScoreScore 7.8 out of 10
TVL $132M−23.8%
6
Venus Core Pool
Lending · BNB Chain, Ethereum, Arbitrum +5
Venus Core Pool is a decentralized money market where users supply crypto to earn interest or borrow against collateral, with about $1.18 billion in TVL across eight networks. It is established and widely used, but it carries normal DeFi lending risks.
Read the Venus Core Pool review Visit Venus Core Pool(opens in a new tab)
ScoreScore 7.6 out of 10
TVL $1.07B−8.5%
7
Fluid Lending
Lending · Ethereum, Arbitrum, Plasma +2
Fluid, built by Instadapp, combines lending and a DEX on one liquidity layer and holds about $634 million in TVL across five chains. Its design is distinctive, but audit details and rates need checking on the site.
Read the Fluid Lending review Visit Fluid Lending(opens in a new tab)
ScoreScore 7.5 out of 10
TVL $611M−0.4%
8
Gearbox
Lending · Ethereum, Etherlink, Monad +8
Gearbox is a credit protocol that lets users lend assets or borrow with up to 10x leverage through isolated credit accounts, and it is now pitching compliant credit for tokenised assets. It suits experienced DeFi users and institutions, not beginners.
Read the Gearbox review Visit Gearbox(opens in a new tab)
ScoreScore 7.4 out of 10
TVL $22.1M−0.3%
9
Venus Protocol
Lending · BNB Chain, Ethereum, Arbitrum +1
Venus is a money market on BNB Chain, with deployments also referenced on Ethereum, Arbitrum and Base, where users supply assets to earn interest or borrow against collateral. It has a long track record and active governance, but a reported March 2026 exploit is a reminder of smart-contract risk.
Read the Venus Protocol review Visit Venus Protocol(opens in a new tab)
ScoreScore 7.4 out of 10
TVL —
10
Curve LlamaLend
Lending · Ethereum, Arbitrum, Fraxtal +1
Curve LlamaLend is Curve's isolated lending market system, built around the crvUSD stablecoin and a soft-liquidation mechanism. It holds about $98.8M in TVL across four chains, but public sources list no audits.
Read the Curve LlamaLend review Visit Curve LlamaLend(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $96.8M−1.0%
11
Venus Isolated Pools
Lending · BNB Chain, Ethereum, Arbitrum
Venus Isolated Pools are separate lending markets inside Venus Protocol, each with its own assets and risk settings. The design limits contagion, but TVL is small, at roughly 1.0 million USD.
Read the Venus Isolated Pools review Visit Venus Isolated Pools(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $963K−3.3%
12
TermMax
Lending · Ethereum, Berachain, BNB Chain +6
TermMax is a DeFi lending protocol offering fixed-rate borrowing and lending with set maturity dates, plus curator-run vaults. It has a visible security stack, but TVL is small.
Read the TermMax review Visit TermMax(opens in a new tab)
ScoreScore 7.0 out of 10
TVL $693K−0.8%
13
Silo V3
Lending · Injective, Avalanche, XDC +4
Silo V3 is the latest version of Silo Finance, a lending protocol built on permissionless, risk-isolated markets across seven chains. It suits users who accept market-by-market risk, but its TVL is modest.
Read the Silo V3 review Visit Silo V3(opens in a new tab)
ScoreScore 6.9 out of 10
TVL $4.45M+9.0%
14
Fraxlend
Lending · Ethereum, Fraxtal, Arbitrum
Fraxlend is a Frax Finance lending platform where anyone can create an isolated market between a pair of ERC-20 tokens. It has about $22 million in TVL across Ethereum, Fraxtal and Arbitrum, but each market carries its own risk.
Read the Fraxlend review Visit Fraxlend(opens in a new tab)
ScoreScore 6.8 out of 10
TVL $20.7M−0.9%
15
Revert Lend
Lending · Base, Arbitrum, Ethereum
Revert Lend is a lending market from Revert Finance that lets Uniswap v3 liquidity providers borrow against their positions. It is a niche product with modest TVL and a clear use case.
Read the Revert Lend review Visit Revert Lend(opens in a new tab)
ScoreScore 6.8 out of 10
TVL $6.66M+9.9%
16
TermFinance Lend
Lending · Ethereum, Arbitrum, Plasma +2
Term Finance is a DeFi protocol that sets fixed-rate, fixed-term crypto loans through weekly on-chain auctions. It suits users who want predictable rates, but its TVL is small and funds are locked until maturity.
Read the TermFinance Lend review Visit TermFinance Lend(opens in a new tab)
ScoreScore 6.8 out of 10
TVL $3.40M−2.9%
17
TermFinance Vaults
Lending · Avalanche, Ethereum, Plasma +3
TermFinance Vaults is the lender-facing side of Term Finance, a protocol that sets fixed rates for crypto-backed loans through on-chain auctions. It is a niche, small-TVL product that suits users who want predictable rates rather than variable pool yields.
Read the TermFinance Vaults review Visit TermFinance Vaults(opens in a new tab)
ScoreScore 6.8 out of 10
TVL $1.67M+0.3%
18
Avalon Finance
Lending · IoTeX, BNB Chain, Bitlayer +18
Avalon Finance, run by Avalon Labs, is a Bitcoin-focused lending protocol with on-chain markets and a CeDeFi credit line. Its marketing numbers are large, but DefiLlama shows a small current TVL of about $1.14M.
Read the Avalon Finance review Visit Avalon Finance(opens in a new tab)
ScoreScore 6.8 out of 10
TVL $898K−23.3%
19
Secured Finance Lending
Lending · Ethereum, Filecoin, Arbitrum +2
Secured Finance is an on-chain fixed-rate lending and repo platform that uses an order book to set term rates, now aimed at institutions and tokenized collateral. Liquidity is small, so it suits specialists more than casual lenders.
Read the Secured Finance Lending review Visit Secured Finance Lending(opens in a new tab)
ScoreScore 6.8 out of 10
TVL $235K−3.3%
20
Silo
Lending · Ethereum, Arbitrum, Sonic
Silo is a non-custodial, permissionless lending protocol that keeps each token's risk in its own isolated market. Its main appeal is containing bad debt; the main caveat is thinner liquidity and ordinary smart-contract risk.
Read the Silo review
ScoreScore 6.6 out of 10
TVL —
21
Native Credit Pool
Lending · Morph, Ethereum, BNB Chain +4
Native Credit Pool is a single-sided lending pool where liquidity providers supply assets that market makers borrow to quote prices on Native's on-chain order book. It is a specialised lending product, tied to Native's trading stack, with no published audit list or fee table.
Read the Native Credit Pool review Visit Native Credit Pool(opens in a new tab)
ScoreScore 6.5 out of 10
TVL $20.5M−21.1%
22
MortgageFi
Lending · Base, Arbitrum, Ethereum
MortgageFi is a small on-chain lending protocol that offers fixed-term, mortgage-style loans on Bitcoin and Ethereum with no price-based liquidations. The idea is distinctive, but the pools are small and the risk shifts to lenders.
Read the MortgageFi review Visit MortgageFi(opens in a new tab)
ScoreScore 6.5 out of 10
TVL $923K−3.4%
23
Silo V2
Lending · Sonic, Avalanche, Arbitrum +1
Silo V2 is a lending protocol from Silo Finance that offers permissionless, risk-isolated markets on Sonic, Avalanche, Arbitrum and Ethereum. Its TVL is modest at about 4.1 million USD, and the app now highlights a V3 version.
Read the Silo V2 review Visit Silo V2(opens in a new tab)
ScoreScore 6.4 out of 10
TVL $3.95M−25.2%
24
PWN
Lending · Polygon, Ethereum, Arbitrum +9
PWN is a peer-to-peer, oracle-less lending protocol where users set their own loan terms against almost any collateral. Its design avoids price liquidations, but current on-chain TVL is very small.
Read the PWN review Visit PWN(opens in a new tab)
ScoreScore 6.3 out of 10
TVL $21.1K−1.6%
25
Impermax V2
Lending · Polygon, Ethereum, Base +12
Impermax V2 is a permissionless lending protocol where liquidity providers borrow against their LP tokens to run leveraged yield farms. It is a niche, higher-risk tool with a small current TVL.
Read the Impermax V2 review Visit Impermax V2(opens in a new tab)
ScoreScore 6.2 out of 10
TVL $514K−1.4%

Lending dApps on Arbitrum: the numbers

Tracked: 65
Reviewed: 65
Total TVL: $29.5B
Avg. score: 5.9/10

DappsAtlas tracks 65 lending dApps on Arbitrum. Every one of them has a full review. The 56 that report TVL hold $29.5B between them, counting value on every chain they support. Aave V3 dominates, with 51% of that total. The five largest make up 98% of the total; the median is $470K.

By value locked, the largest lending dApps on Arbitrum are Aave V3 ($15.1B), Morpho Blue ($10.9B) and Compound V3 ($1.25B). The best-rated is Aave V3 with 8.6/10, followed by Morpho Blue (8.0) and Compound V3 (8.0). That makes Aave V3 both the biggest and the best-rated. The 50 rated lending dApps average 5.9/10; 4 reach 8 or above.

Beyond Arbitrum, these lending dApps most often also run on Ethereum (48), Base (36) and BNB Chain (30). Of the 48 with a confirmed status, 44 are active and 4 are inactive or wound down. Over the last seven days, combined TVL rose 1.7%. Revert Lend gained the most (+9.9%), while Silo V2 dropped the most (−25.2%).

Largest by TVL

1Aave V3$15.1B
2Morpho Blue$10.9B
3Compound V3$1.25B
4Venus Core Pool$1.07B
5Fluid Lending$611M

Highest rated

Method

How we ranked them

Reviewed dApps come first. Each DappsAtlas review scores security, ease of use, fees and features from 0 to 10 using public facts such as audits, documentation and on-chain data; the overall score orders the list, with total value locked as the tie-breaker. Projects we have not reviewed yet follow, ordered by total value locked. Scores are never sold.

Guides

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Frequently asked questions

What is the largest lending dApp on Arbitrum by TVL?

Aave V3 is the largest lending dApp on Arbitrum by total value locked, with $15.1B across all the chains it supports. It is followed by Morpho Blue ($10.9B) and Compound V3 ($1.25B). TVL figures come from DefiLlama and change daily.

Which lending dApp on Arbitrum has the highest DappsAtlas score?

Aave V3 has the highest score at 8.6/10, ahead of Morpho Blue (8.0) and Compound V3 (8.0). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many lending dApps on Arbitrum has DappsAtlas reviewed?

DappsAtlas tracks 65 lending dApps on Arbitrum. Of these, 65 have a full review and 56 report value locked, $29.5B in total, counting value on every chain they support.

Which lending dApps on Arbitrum grew the most this week?

Among lending dApps with at least $1M locked, Revert Lend had the biggest 7-day TVL gain (+9.9%) and Silo V2 the biggest drop (−25.2%). Combined TVL moved +1.7% over the same seven days.

What is the average score for lending dApps on Arbitrum?

The 50 rated lending dApps on Arbitrum average 5.9 out of 10. Of these, 4 score 8 or higher and 13 score below 5.

Ranked list